RCONF164: 1-4 Family Residential Construction Loan Commitments
RCONF164 is the call report code for 1-4 family residential construction loan commitments, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 4,217 banks reported it, totaling $63.71B; the median among the 3,333 with a nonzero amount was $4.2M. The largest value reported for Q2 2026 was $3.18B, by Bank OZK.
Definition
Must be completed by all banks that are required to complete Schedule RC-C, part I, Memorandum items 9 and 10, i.e., (1) all banks with $300 million or more in total assets as of December 31, 2005, or with foreign offices, and (2) banks with less than $300 million in total assets as of December 31, 2005, and domestic offices only whose total construction, multifamily, and nonfarm nonresidential real estate loans (Schedule RC-C, part I, sum of items 1.a, 1.d, and 1.e) as of December 31, 2005, was greater than 150 percent of total equity capital (Schedule RC, item 28) as of December 31, 2005. Banks with less than $300 million in total assets as of December 31, 2005, and domestic offices only that do not meet this percentage test will begin reporting additional information on their 'Commitments to fund loans secured by real estate' beginning March 31, 2008.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF164 sits on the call report
| Code | RCONF164 (prefix RCON, item F164) |
|---|---|
| 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, as of the quarter end |
| In the MDRM since | 2007 |
The same item under other prefixes
Item F164 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDF164 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 80 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF164 |
|---|---|---|
| Bank OZK | Little Rock, AR | $3.18B |
| Western Alliance Bank | Phoenix, AZ | $1.03B |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $976.9M |
| SouthState Bank, N.A. | Winter Haven, FL | $945.8M |
| TowneBank | Portsmouth, VA | $898.4M |
| Prosperity Bank | El Campo, TX | $876.5M |
| Seacoast National Bank | Stuart, FL | $844.4M |
| United Bank | Fairfax, VA | $775.7M |
| Banner Bank | Walla Walla, WA | $677.6M |
| Centennial Bank | Conway, AR | $595.6M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $63.71B |
| March 31, 2026 | 4,256 | $61.43B |
| December 31, 2025 | 4,314 | $63.04B |
| September 30, 2025 | 4,355 | $64.05B |
| June 30, 2025 | 4,397 | $62.63B |
| March 31, 2025 | 4,437 | $60.21B |
| December 31, 2024 | 4,461 | $60.34B |
| September 30, 2024 | 4,490 | $61.55B |
Related
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