RIADC386: Insurance and Reinsurance Underwriting Income
RIADC386 is the call report code for insurance and reinsurance underwriting income, reported on Schedule RI, Income Statement. For Q2 2026 (year to date), 1,015 banks reported it, totaling $22.4M; the median among the 17 with a nonzero amount was $31K. The largest value reported for Q2 2026 (year to date) was $16.0M, by First-Citizens Bank & Trust Company.
Definition
Report the amount of premiums earned by bank subsidiaries engaged in insurance underwriting or reinsurance activities. Include earned premiums from (a) life and health insurance and (b) property and casualty insurance, whether (direct) underwritten business or ceded or assumed (reinsured) business. Insurance premiums should be reported net of any premiums transferred to other insurance underwriters/reinsurers in conjunction with reinsurance contracts. Also include the bank's proportionate share of the income or loss before extraordinary items and other adjustments from its investments in equity method investees that are principally engaged in insurance underwriting or reinsurance activities. Equity method investees unconsolidatd subsidiaries, associated companies, and corporate joint ventures, unincorporated joint ventures, general partnerships, and limited partnerships over which the bank exercises significant influence. Exclude income from insurance product sales and referrals (see the instructions for Schedule RI, item 5.h(2) for information on reporting such income).
Source: Federal Reserve Micro Data Reference Manual (MDRM). The FFIEC call report instructions remain the authority on how to report the item.
Where RIADC386 sits on the call report
| Code | RIADC386 (prefix RIAD, item C386) |
|---|---|
| Prefix RIAD | Income statement items (Schedule RI and its supporting schedules). |
| Schedule | RI, Income Statement |
| Reported on | FFIEC 031, FFIEC 041, FFIEC 051 |
| Value | Dollar amount, reported in thousands, year to date |
| In the MDRM since | 2003 |
Largest reported values, Q2 2026
| Bank | Headquarters | RIADC386 |
|---|---|---|
| First-Citizens Bank & Trust Company | Raleigh, NC | $16.0M |
| United Community Bank | Greenville, SC | $2.5M |
| Columbia Bank | Lake Oswego, OR | $1.6M |
| Amarillo National Bank | Amarillo, TX | $936K |
| Town & Country Bank | Salem, MO | $686K |
| Border Bank | Fargo, ND | $519K |
| The Huntington National Bank | Columbus, OH | $37K |
| First National Bank of Pulaski | Pulaski, TN | $32K |
| Merchants Bank, N.A. | Winona, MN | $31K |
| Bank of Hawaii | Honolulu, HI | $30K |
Total reported by quarter
| Quarter end | Banks reporting | Total reported |
|---|---|---|
| June 30, 2026 | 1,015 | $22.4M |
| March 31, 2026 | 1,026 | $10.9M |
| December 31, 2025 | 1,067 | $50.7M |
| September 30, 2025 | 1,077 | $40.0M |
| June 30, 2025 | 1,095 | $25.0M |
| March 31, 2025 | 1,112 | $11.6M |
| December 31, 2024 | 1,135 | $50.0M |
| September 30, 2024 | 1,139 | $37.9M |
Related
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