RIAD4638: Charge-offs on Commercial and Industrial Loans
RIAD4638 is the call report code for charge-offs on commercial and industrial loans, reported on Schedule RI-B, Part I, Charge-offs and Recoveries on Loans and Leases. For Q2 2026 (year to date), 4,217 banks reported it, totaling $1.86B; the median among the 1,593 with a nonzero amount was $93K. The largest value reported for Q2 2026 (year to date) was $54.4M, by Western Alliance Bank.
Definition
The year-to-date charge-offs on 'Commercial and Industrial Loans (1600)' made in domestic offices.
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIAD4638 sits on the call report
| Code | RIAD4638 (prefix RIAD, item 4638) |
|---|---|
| Prefix RIAD | Income statement items (Schedule RI and its supporting schedules). |
| Schedule | RI-B, Part I, Charge-offs and Recoveries on Loans and Leases |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, year to date |
| In the MDRM since | 1984 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIAD4638 |
|---|---|---|
| Western Alliance Bank | Phoenix, AZ | $54.4M |
| Sunflower Bank, N.A. | Dallas, TX | $51.0M |
| First Horizon Bank | Memphis, TN | $50.7M |
| Webster Bank, N.A. | Stamford, CT | $46.1M |
| Columbia Bank | Lake Oswego, OR | $44.8M |
| Live Oak Banking Company | Wilmington, NC | $43.5M |
| First Internet Bank of Indiana | Fishers, IN | $32.7M |
| Pathward, N.A. | Sioux Falls, SD | $32.7M |
| Stifel Bank and Trust | Saint Louis, MO | $30.9M |
| Texas Capital Bank | Dallas, TX | $27.5M |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 4,217 | $1.86B |
| March 31, 2026 | 4,256 | $899.4M |
| December 31, 2025 | 4,314 | $4.14B |
| September 30, 2025 | 4,355 | $2.84B |
| June 30, 2025 | 4,397 | $1.78B |
| March 31, 2025 | 4,437 | $831.3M |
| December 31, 2024 | 4,461 | $3.75B |
| September 30, 2024 | 4,490 | $2.47B |
Related
All codes on Schedule RI-B, Part I · All call report schedules · Find the code for a loan type · What a call report is