RCONF176: 1-4 Family Residential Construction Loans, Nonaccrual
RCONF176 is the call report code for 1-4 family residential construction loans, nonaccrual, reported on Schedule RC-N, Past Due and Nonaccrual Loans, Leases, and Other Assets. For Q2 2026, 4,297 banks reported it, totaling $492.2M; the median among the 321 with a nonzero amount was $494K. The largest value reported for Q2 2026 was $37.0M, by Simmons Bank.
Definition
Report all assets other than loans and leases reportable in Schedule RC-C that are past due 30 days or more or are in nonaccrual status as of the report date. Include such assets as debt securities and interest-bearing balances due from depository institutions. Also include operating lease payments receivable that have been recorded as assets in Schedule RC, item 11, when the operating lease is past due 30 days or more or in nonaccrual status. Exclude other real estate owned reportable in Schedule RC, item 7, and other repossessed assets reportable in Schedule RC, item 11, such as automobiles, boats, equipment, appliances, and similar personal property.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONF176 sits on the call report
| Code | RCONF176 (prefix RCON, item F176) |
|---|---|
| Prefix RCON | Domestic offices. Banks without foreign offices (FFIEC 041 and 051 filers) report their whole balance sheet in RCON items. |
| Schedule | RC-N, Past Due and Nonaccrual Loans, Leases, and Other Assets |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2007 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONF176 |
|---|---|---|
| Simmons Bank | Pine Bluff, AR | $37.0M |
| JPMorgan Chase Bank, N.A. | Columbus, OH | $34.0M |
| FirstBank | Nashville, TN | $28.2M |
| Flagstar Bank, N.A. | Hicksville, NY | $23.3M |
| Bank Iowa | West Des Moines, IA | $20.4M |
| Goldman Sachs Bank USA | New York, NY | $15.0M |
| Republic Bank of Chicago | Oak Brook, IL | $14.8M |
| California Pacific Bank | Hayward, CA | $10.2M |
| Mutualone Bank | Framingham, MA | $9.7M |
| Exchange Bank | Kearney, NE | $9.5M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,297 | $492.2M |
| March 31, 2026 | 4,336 | $493.7M |
| December 31, 2025 | 4,394 | $522.0M |
| September 30, 2025 | 4,435 | $593.4M |
| June 30, 2025 | 4,477 | $572.3M |
| March 31, 2025 | 4,519 | $613.7M |
| December 31, 2024 | 4,543 | $534.9M |
| September 30, 2024 | 4,572 | $505.9M |
Related
All codes on Schedule RC-N · All call report schedules · Find the code for a loan type · What a call report is