BDI

loan mix

HELOC Share

Home equity lines as a percentage of gross loans.

As of Q1 2026FDICLNRELOCFDICLNLSGRSource retrieved 2026-08-01

National median

1.46%

Middle half

0.06%3.72%

Direction

Context dependent

What it means

Why this metric matters

The share measures exposure to revolving housing-secured consumer credit. It is useful for comparing both collateral and borrower concentration.

How it is calculated

Formula and source fields

heloc / NULLIF(gross_loans, 0) * 100

Source fields: LNRELOC + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

0.00%

25th percentile

0.06%

Median

1.46%

75th percentile

3.72%

90th percentile

6.46%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    State Street Bank and Trust CompanyMA
    0.00%
  2. 2
    Peoples Exchange BankAL
    0.00%
  3. 3
    Warren Bank and Trust CompanyAR
    0.00%
  4. 4
    The Merchants & Planters BankAR
    0.00%
  5. 5
    Horatio State BankAR
    0.00%
  6. 6
    Talbot State BankGA
    0.00%
  7. 7
    The Merchants & Citizens BankGA
    0.00%
  8. 8
    Pocahontas State BankIA
    0.00%
  9. 9
    First Security BankIA
    0.00%
  10. 10
    Jackson County BankKY
    0.00%

Highest reported values

  1. 1
    Wilmington Trust, National AssociationDE
    52.47%
  2. 2
    University BankMI
    37.48%
  3. 3
    Bank of PensacolaFL
    35.61%
  4. 4
    Grand Bank for Savings, FSBMS
    31.14%
  5. 5
    Paradise BankFL
    29.80%
  6. 6
    Third Federal Savings and Loan Association of ClevelandOH
    27.80%
  7. 7
    The Warrington BankFL
    25.65%
  8. 8
    Idaho Trust BankID
    24.46%
  9. 9
    Community Bank of CameronWI
    22.53%
  10. 10
    Bank of BartlettTN
    20.83%

Continue exploring

Related metrics

Owner-Occupied CRE LoansOwner-Occupied CRE ShareNonowner-Occupied CRE LoansNonowner-Occupied CRE ShareMultifamily Real Estate Loans