RCONC224: Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk
RCONC224 is the call report code for year-to-date merchant credit card sales volume:sales for which the reporting bank is the agent bank with risk, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026 (year to date), 4,217 banks reported it, totaling $29.83B; the median among the 120 with a nonzero amount was $3.0M. The largest value reported for Q2 2026 (year to date) was $9.55B, by The Central Trust Bank.
Definition
Report the year-to-date volume of sales (in U.S. dollars) generated through the bank's merchant processing activities where the reporting bank is acting as an agent bank with risk. Include all sales transactions for which the acquiring bank with whom the reporting bank contracted may hold the bank responsible.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONC224 sits on the call report
| Code | RCONC224 (prefix RCON, item C224) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-L, Derivatives and Off-Balance-Sheet Items |
| Reported on | FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, year to date |
| In the MDRM since | 2002 |
The same item under other prefixes
Item C224 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDC224 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONC224 |
|---|---|---|
| The Central Trust Bank | Jefferson City, MO | $9.55B |
| Avidia Bank | Hudson, MA | $8.77B |
| Commercial Bank of California | Irvine, CA | $8.64B |
| BancFirst | Oklahoma City, OK | $401.1M |
| Citizens Business Bank, N.A. | Ontario, CA | $379.2M |
| Hancock Whitney Bank | Gulfport, MS | $222.4M |
| First National Bank of Pennsylvania | Greenville, PA | $193.0M |
| 1st Source Bank | South Bend, IN | $131.7M |
| Amarillo National Bank | Amarillo, TX | $130.9M |
| First Utah Bank | Salt Lake City, UT | $104.9M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $29.83B |
| March 31, 2026 | 2 | $0 |
| December 31, 2025 | 4,314 | $52.64B |
| September 30, 2025 | 3 | $11.3M |
| June 30, 2025 | 4,397 | $24.95B |
| March 31, 2025 | 3 | $0 |
| December 31, 2024 | 4,461 | $46.84B |
| September 30, 2024 | 3 | $64K |
Related
All codes on Schedule RC-L · All call report schedules · Find the code for a loan type · What a call report is