What is a bank Call Report?
The Call Report is the quarterly financial filing every U.S. bank submits to its regulator. We turn those FFIEC filings into searchable profiles for every bank — raw line items, derived ratios, and peer benchmarks, back to 2001.
The Call Report, in plain English
"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 comprehensive 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.
Who files, and on which form
Every commercial bank files a Call Report; the specific form depends on the bank's size and structure:
- FFIEC 031 — banks with both domestic and foreign offices.
- FFIEC 041 — banks with domestic offices only.
- FFIEC 051 — a streamlined form for eligible small community banks (generally under $5 billion in assets).
Credit unions don't file a Call Report with the banking agencies — they file the equivalent NCUA 5300 Call Report instead, which BankRegReports also covers.
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).
- Schedule RI — the income statement (interest income, expense, provisions, and net income).
- 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 and construction).
- Schedule RC-E — deposits, including brokered and uninsured detail.
- Schedule RC-N — past-due and nonaccrual loans, the basis for asset-quality ratios.
From raw filing to usable analytics
Every bank, every quarter
Searchable profiles for every FDIC-insured bank, sourced from the FFIEC Call Report and refreshed each quarter as new filings land — with history back to 2001.
Raw line items + derived ratios
See the original call report figures alongside the capital, asset-quality, and profitability ratios analysts actually use — each defined with a published formula so you can audit it.
Peer context built in
A single bank's call report is hard to judge in isolation. Benchmark any institution against a custom peer group and see where it ranks across the industry.
Keep reading
- What is a UBPR? — how regulators turn call report data into ratios and peer-group percentiles.
- 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.
- Data coverage — exactly which filings and quarters are in the platform.
Look up a bank's Call Report
Search every FDIC-insured bank by name and read its filings without parsing a single FFIEC form.