RCONK676: Total Unfunded Commitments to Fund Construction, Land Development, and Other Land Loans Secured by Real Estate
RCONK676 is the call report code for total unfunded commitments to fund construction, land development, and other land loans secured by real estate, reported on Schedule RC-O, Other Data for Deposit Insurance Assessments. For Q2 2026, 98 banks reported it, totaling $91.91B; the median among the 89 with a nonzero amount was $819.0M. The largest value reported for Q2 2026 was $8.59B, by Bank OZK.
Definition
Report the unused portion of commitments (in domestic offices) to extend credit to fund construction, land development, and other land loans that, when funded, would be reportable as loans secured by real estate in Schedule RC-C, part I, item 1.a. The amount reported in this item should also have been included in the amounts reported in Schedule RC-L, items 1.c.(1)(a) and (b).
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RCONK676 sits on the call report
| Code | RCONK676 (prefix RCON, item K676) |
|---|---|
| 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 |
| Value | Dollar amount, reported in thousands, as of the quarter end |
| In the MDRM since | 2011 |
The same item under other prefixes
Item K676 is also reported under these codes. Which banks file each one depends on the form they file.
| Code | Meaning of the prefix | Banks reporting |
|---|---|---|
| RCFDK676 | The consolidated bank, domestic and foreign offices, reported by FFIEC 031 filers (banks with foreign offices) | 50 |
Largest reported values, Q2 2026
| Bank | Headquarters | RCONK676 |
|---|---|---|
| Bank OZK | Little Rock, AR | $8.59B |
| SouthState Bank, N.A. | Winter Haven, FL | $3.36B |
| Zions Bancorporation, N.A. | Salt Lake City, UT | $3.33B |
| CIBC Bank USA | Chicago, IL | $3.26B |
| United Bank | Fairfax, VA | $3.00B |
| Western Alliance Bank | Phoenix, AZ | $2.75B |
| First Horizon Bank | Memphis, TN | $2.64B |
| BOKF, N.A. | Tulsa, OK | $2.47B |
| Atlantic Union Bank | Richmond, VA | $2.27B |
| Associated Bank, N.A. | Green Bay, WI | $2.20B |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 98 | $91.91B |
| March 31, 2026 | 98 | $89.01B |
| December 31, 2025 | 101 | $96.94B |
| September 30, 2025 | 103 | $96.06B |
| June 30, 2025 | 103 | $93.98B |
| March 31, 2025 | 104 | $91.27B |
| December 31, 2024 | 105 | $94.33B |
| September 30, 2024 | 103 | $97.36B |
Related
All codes on Schedule RC-O · All call report schedules · Find the code for a loan type · What a call report is