Call report code · Schedule RC-L
RCONJ455: Credit Card Lines: Unused Consumer Credit Card Lines
RCONJ455 is the call report code for credit card lines: unused consumer credit card lines, reported on Schedule RC-L, Derivatives and Off-Balance-Sheet Items. For Q2 2026, 720 banks reported it, totaling $373.84B; the median among the 187 with a nonzero amount was $10.3M. The largest value reported for Q2 2026 was $123.69B, by Barclays Bank Delaware.
Definition
Y-9C Schedule HC-L Item 1.b.(1)
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONJ455 sits on the call report
| Code | RCONJ455 (prefix RCON, item J455) |
|---|---|
| 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 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2010 |
The same item under other prefixes
Item J455 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDJ455 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 73 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONJ455 |
|---|---|---|
| Barclays Bank Delaware | Wilmington, DE | $123.69B |
| Comenity Capital Bank | Draper, UT | $62.91B |
| TD Bank USA, N.A. | Wilmington, DE | $48.36B |
| First National Bank of Omaha | Omaha, NE | $39.97B |
| Comenity Bank | Wilmington, DE | $36.45B |
| Credit First N.A. | Brook Park, OH | $11.05B |
| First Bank & Trust | Brookings, SD | $10.05B |
| Credit One Bank, N.A. | Las Vegas, NV | $9.62B |
| Coastal Community Bank | Everett, WA | $6.55B |
| Merrick Bank | South Jordan, UT | $4.91B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 720 | $373.84B |
| March 31, 2026 | 5 | $153.74B |
| December 31, 2025 | 745 | $392.21B |
| September 30, 2025 | 2 | $153.85B |
| June 30, 2025 | 765 | $379.46B |
| March 31, 2025 | 3 | $138.14B |
| December 31, 2024 | 781 | $373.64B |
| September 30, 2024 | 2 | $134.99B |
Related
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