Call report lookup for any U.S. bank

How to download Call Report data

Three ways, depending on how much you need and where it is going.

• One bank at a time: open any bank in the bank directory. Every profile shows the raw Call Report line items, the derived ratios, and peer benchmarks, quarter by quarter, free and with no account.
• Programmatically: the BankRegReports Data API returns Call Report, UBPR, FDIC, and NCUA data as JSON. The free tier includes 200 requests a day and the full public dataset catalog. In Python, pip install bankregreports installs the BankRegReports Python SDK, which returns clean frames in one call.
• Bulk: the raw quarterly forms are published by the FFIEC through its Central Data Repository. The API has no bulk file download; page through the dataset endpoints within your plan's daily call limit, described on the API page.

What is a call report?

"Call Report" is the everyday name for the Consolidated Reports of Condition and Income, the standardized report that every FDIC-insured bank, national bank, and state member bank is required to file every calendar quarter. It is the single most detailed public record of a bank's financial condition, and it is the raw material behind almost every bank ranking, peer study, and supervisory rating you will ever see.

Filings are collected by the Federal Financial Institutions Examination Council (FFIEC) through its Central Data Repository, generally within 30 days of each quarter-end. Because the data is public, anyone can read it, but the source forms are dense, and the figures only become useful once they are organized, defined, and compared across institutions. That last step is what BankRegReports does.

Call Report instructions

Every commercial bank files a Call Report, and the FFIEC publishes a separate instruction book for each form. The instructions define every line item, set the filing deadlines, and explain which banks must use which form. Use the book that matches the form the bank files:

• FFIEC 031 forms and instructions
• FFIEC 041 forms and instructions
• FFIEC 051 forms and instructions

The FFIEC also posts quarterly supplemental instructions on the same pages. For the due date of each quarter's filing, see the call report filing schedule. Call Report instructions, explained covers who must file which form, signatures, submission software, and retention.

When are call reports due?

A call report is due 30 calendar days after the quarter it covers ends: the report dates are March 31, June 30, September 30 and December 31. A bank with more than one foreign office has 35 days. A deadline that falls on a weekend moves to the next Monday. The surrounding quarters:

FFIEC 031 vs 041 vs 051

All three forms are the same report, the Consolidated Reports of Condition and Income. They differ in who files them and how much detail they ask for:

• FFIEC 031: banks with foreign offices, and every bank with total consolidated assets of $100 billion or more. The most detailed form.
• FFIEC 041: banks with domestic offices only and total assets under $100 billion.
• FFIEC 051: a streamlined form for banks with domestic offices only and total assets under $5 billion that are eligible to use it.

Line items carry a prefix that tells you the form: RCFD items appear on the FFIEC 031, which consolidates foreign offices, and RCON items cover domestic offices on all three. That is why the same figure can sit under two codes depending on the filer.

Call reports for credit unions (NCUA 5300)

When people search for an NCUA Call Report or a credit union Call Report, they mean the NCUA 5300, the quarterly financial report every federally insured credit union files with the National Credit Union Administration. It plays the same role for credit unions that the FFIEC Call Report plays for banks: a full balance sheet, income statement, and supporting detail on loans, shares, capital, and delinquency. BankRegReports standardizes both, so you can look up and benchmark banks and credit unions side by side.

The credit union call report (NCUA 5300) explained →  ·  Look up a credit union's 5300 data →

Holding companies file a different report

The Call Report covers one bank. A bank's parent holding company files the FR Y-9C with the Federal Reserve instead, a consolidated quarterly report that adds the nonbank subsidiaries. Holding companies with $3 billion or more in assets file it.

The FR Y-9C explained →  ·  Browse holding companies →

How to read a call report

Start with the balance sheet and income statement, then move to capital, loans and asset quality. The guide How to Read a Bank Call Report, Schedule by Schedule walks through each schedule and what analysts look for in it.

What's inside a Call Report

The report is built from a balance sheet, an income statement, and a series of supporting schedules that break those totals into detail. The schedules analysts reach for most often:

• Schedule RC: the balance sheet (assets, liabilities, and equity). Total assets is item 12, code RCFD2170 or RCON2170; the largest banks in the US are ranked on it.
• Schedule RI: the income statement (interest income, expense, provisions, and net income, code RIAD4340), the source of return on assets and net interest margin.
• Schedule RC-R: regulatory capital, including risk-weighted assets and the CET1, Tier 1, and leverage ratios.
• Schedule RC-C: the loan portfolio, broken out by category (including commercial real estate, construction and commercial and industrial loans).
• Schedule RC-E: deposits by type and depositor, including brokered deposits. Estimated uninsured deposits are reported on Schedule RC-O.
• Schedule RC-N: past-due and nonaccrual loans, the basis for asset-quality ratios such as the NPL ratio.

Every line item has its own code page in the call report codes by schedule, with its definition, its line item and the banks that report the most. To find the code for a line item you can describe but not name, use the call report code finder.

How to look up a bank's call report

1. Search for the bank by name, RSSD ID or FDIC certificate number in the call report lookup above, or open the list of banks and filter by state or size.
2. Open the bank's call report page. It lists every line item the bank reported for the latest quarter, schedule by schedule with each MDRM code, for example the JPMorgan Chase call report. The bank's profile charts the headline figures (balance sheet, income, capital, loans and asset quality) for each quarter back to 2000.
3. Compare it with peers, or pull the same figures through the Data API. The original filing, as submitted, is on the FFIEC Central Data Repository.

Call reports for the largest US banks

The ten largest US banks by total assets, each linked to its latest call report, line by line. The full list is the largest banks in the US.

• JPMorgan Chase Bank, N.A. call report
• Bank of America, N.A. call report
• Citibank, N.A. call report
• Wells Fargo Bank, N.A. call report
• Goldman Sachs Bank USA call report
• U.S. Bank N.A. call report
• Capital One, N.A. call report
• PNC Bank, N.A. call report
• Truist Bank call report
• The Bank of New York Mellon call report

Frequently asked questions

What is a Call Report?

A Call Report is the Consolidated Reports of Condition and Income, the standardized financial report that every FDIC-insured bank, national bank, and state member bank must file with regulators each quarter. It contains a full balance sheet, income statement, and detailed supporting schedules covering loans, deposits, capital, and asset quality. The data is public and collected through the FFIEC Central Data Repository.

Who has to file a Call Report and how often?

Every national bank, state member bank, and insured state nonmember bank files a Call Report every calendar quarter. Credit unions file the equivalent NCUA 5300 Call Report instead. The form a bank uses (FFIEC 031, 041, or the streamlined 051 for eligible small community banks) depends on its size and whether it has foreign offices.

When is the Call Report due?

Within 30 calendar days after each quarter-end (March 31, June 30, September 30 and December 31). A bank with more than one foreign office has 35 days.

Are Call Reports public information?

Yes. Call Report data is public and published by the FFIEC Central Data Repository, apart from a small set of items the agencies treat as confidential.

How do I download Call Report data?

Open any bank in the BankRegReports bank directory to read its Call Report line items and ratios free, or pull the data programmatically through the BankRegReports Data API, which has a free tier and a Python SDK (pip install bankregreports). The raw quarterly forms are also published in bulk by the FFIEC Central Data Repository.

Where can I look up a bank's Call Report data for free?

BankRegReports turns the FFIEC Call Report filings for every U.S. bank into searchable profiles, going back to 2000. You can view raw call report line items alongside the derived ratios analysts use, benchmark a bank against its peers, and track trends quarter by quarter without parsing the source forms yourself.

Keep reading

• Call report code finder: describe the loan, get the Schedule RC-C line item and RCON/RCFD code.
• Call report vs. UBPR: how regulators turn call report data into ratios and peer-group percentiles.
• The FFIEC CDR: the Central Data Repository these filings are submitted through, and why its login is for filers rather than readers.
• The FR Y-9C: the consolidated holding company report, who files it, and when it is due.
• The NCUA 5300: the credit union Call Report, its due dates, and how it differs from the bank filing.
• Banking metrics glossary: definitions, formulas, and supervisory thresholds for the figures derived from the call report.
• Bank rankings: U.S. banks ranked by call-report metrics, from total assets to capital ratios.
• Call report data: which filings and quarters are in the platform, and how to download them.