Call Report

The Call Report (formally, the Consolidated Reports of Condition and Income) is the standardized quarterly filing every FDIC-insured U.S. bank submits to the FFIEC. It details the bank’s balance sheet and income statement in fixed schedules — including, in schedule RC-C, its loan book broken out by type: construction and land development, multifamily, owner-occupied and non-owner-occupied nonfarm nonresidential, and more. Filings become public data, bank by bank, roughly a month after each quarter ends.

For a CRE borrower, the Call Report is a free X-ray of any bank you’re considering. It shows whether the bank’s CRE book is growing or shrinking, how concentrated it is relative to capital, and whether past-due and nonaccrual CRE loans are climbing — all of which shape how that bank will treat your loan request months before a loan officer says a word.

Call Reports are the backbone of this site’s financial data. Each lender profile’s quarterly trend table, concentration ratio, and QoQ growth figure comes directly from these filings, refreshed each quarter as new data posts.