concentration
Loan Mix Herfindahl Index
The sum of squared material loan-category shares on a 0-to-10,000 scale.
As of Q1 2026FDIC
LNRENROWFDICLNRENROTFDICLNREMULTFDICLNRECONSFDICLNRERESFDICLNCIFDICLNAGFDICLNCRCDSource retrieved 2026-08-01National median
2,242points
Middle half
1,823points2,975points
Direction
Lower is favorable
What it means
Why this metric matters
HHI compresses portfolio diversification into one number. A higher value means the loan book depends more heavily on fewer categories.
How it is calculated
Formula and source fields
10000 * sum_of_squared_material_loan_sharesSource fields: LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD. Not annualized.
Read the calculation methodology →National distribution
Across active reporting banks
4,200 observations · Q1 2026
10th percentile
1,537points25th percentile
1,823pointsMedian
2,242points75th percentile
2,975points90th percentile
4,273pointsReported 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
- 10points
- 20points
- 30points
- 40points
- 50points
- 60points
- 70points
- 87points
- 918points
- 1031points
Highest reported values
- 112,753points
- 210,755points
- 310,684points
- 410,399points
- 510,046points
- 610,034points
- 710,024points
- 810,024points
- 910,000points
- 1010,000points
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