RCONF045: Amount of Retirement Deposits Accounts of $250,000 or Less
RCONF045 is the call report code for amount of retirement deposits accounts of $250,000 or less, reported on Schedule RC-O, Other Data for Deposit Insurance Assessments. For Q2 2026, 4,242 banks reported it, totaling $438.82B; the median among the 4,033 with a nonzero amount was $5.9M. The largest value reported for Q2 2026 was $86.24B, by Charles Schwab Bank, SSB.
Definition
Report the aggregate balance of all retirement deposit accounts, certificates, or other evidences of deposit (demand, savings, and time) with a balance on the report date of $250,000 or less. This amount should represent the total of the balances of the retirement deposit accounts enumerated in Schedule RC-O, Memorandum item 1.c.(2) (RCONF046)
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF045 sits on the call report
| Code | RCONF045 (prefix RCON, item F045) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-O, Other Data for Deposit Insurance Assessments |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2006 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF045 |
|---|---|---|
| Charles Schwab Bank, SSB | Westlake, TX | $86.24B |
| Bank of America, N.A. | Charlotte, NC | $37.75B |
| TD Bank, N.A. | Wilmington, DE | $25.75B |
| Wells Fargo Bank, N.A. | Sioux Falls, SD | $20.83B |
| Morgan Stanley Bank, N.A. | Salt Lake City, UT | $20.69B |
| Morgan Stanley Private Bank, N.A. | Purchase, NY | $19.83B |
| Citibank, N.A. | Sioux Falls, SD | $18.92B |
| UBS Bank USA, N.A. | Salt Lake City, UT | $13.44B |
| TD Bank USA, N.A. | Wilmington, DE | $13.25B |
| Charles Schwab Premier Bank, SSB | Westlake, TX | $11.29B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,242 | $438.82B |
| March 31, 2026 | 4,281 | $439.83B |
| December 31, 2025 | 4,341 | $444.59B |
| September 30, 2025 | 4,382 | $431.13B |
| June 30, 2025 | 4,424 | $429.91B |
| March 31, 2025 | 4,465 | $431.51B |
| December 31, 2024 | 4,490 | $437.93B |
| September 30, 2024 | 4,521 | $422.65B |
Related
All codes on Schedule RC-O · All call report schedules · Find the code for a loan type · What a call report is