RCONF158: Loans Secured by 1-4 Family Residential Construction
RCONF158 is the call report code for loans secured by 1-4 family residential construction, reported on Schedule RC-C, Part I, Loans and Leases. For Q2 2026, 4,297 banks reported it, totaling $91.33B; the median among the 3,555 with a nonzero amount was $6.0M. The largest value reported for Q2 2026 was $2.90B, by JPMorgan Chase Bank, N.A.
Definition
Report the amount of 1-4 family residential construction loans (in domestic offices) included in Schedule RC-C, part I, item 1.a, i.e., loans for the purpose of constructing 1-4 family residential properties, which will secure the loan. The term '1-4 family residential properties' is defined in Schedule RC-C, part I, item 1.c. '1-4 family residential construction loans' include: - Construction loans to developers secured by tracts of land on which 1-4 family residential properties, including townhouses, are being constructed. - Construction loans secured by individual parcels of land on which single 1-4 family residential properties are being constructed. - Construction loans secured by single-family dwelling units in detached or semidetached structures, including manufactured housing. - Construction loans secured by duplex units and townhouses, excluding garden apartment projects where the total number of units that will secure the permanent mortgage is greater than four. - Combination land and construction loans on 1-4 family residential properties, regardless of the current stage of construction or development. - Combination construction-permanent loans on 1-4 family residential properties until construction is completed or principal amortization payments begin, whichever comes first. - Bridge loans to developers on 1-4 family residential properties where the buyer will not assume the same loan, even if construction is completed or principal amortization payments have begun.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF158 sits on the call report
| Code | RCONF158 (prefix RCON, item F158) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-C, Part I, Loans and Leases |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2007 |
The same item under other prefixes
Item F158 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDF158 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 50 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF158 |
|---|---|---|
| JPMorgan Chase Bank, N.A. | Columbus, OH | $2.90B |
| U.S. Bank N.A. | Cincinnati, OH | $2.43B |
| Bank OZK | Little Rock, AR | $2.22B |
| The Huntington National Bank | Columbus, OH | $1.64B |
| Western Alliance Bank | Phoenix, AZ | $1.40B |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $1.19B |
| Regions Bank | Birmingham, AL | $1.04B |
| Centennial Bank | Conway, AR | $995.2M |
| Pinnacle Bank | Nashville, TN | $894.9M |
| Citizens Bank, N.A. | Providence, RI | $746.2M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $91.33B |
| March 31, 2026 | 4,336 | $91.50B |
| December 31, 2025 | 4,394 | $91.07B |
| September 30, 2025 | 4,435 | $91.22B |
| June 30, 2025 | 4,477 | $89.79B |
| March 31, 2025 | 4,519 | $90.06B |
| December 31, 2024 | 4,543 | $89.51B |
| September 30, 2024 | 4,572 | $90.79B |
Related
All codes on Schedule RC-C, Part I · All call report schedules · Find the code for a loan type · What a call report is