concentration

Multifamily Loans to Capital

Multifamily loans as a percentage of total risk-based capital.

As of Q1 2026FDICLNREMULTFDICRBCSource retrieved 2026-08-01

National median

19.2%

Middle half

3.9%41.9%

Direction

Context dependent

What it means

Why this metric matters

The ratio shows how much capital stands behind apartment exposure. Local supply, rent growth, and refinancing needs determine whether a high result is resilient.

How it is calculated

multifamily / NULLIF(total_risk_based_capital, 0) * 100

Source fields: LNREMULT + RBC. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

2,524 observations · Q1 2026

10th percentile

0.0%

25th percentile

3.9%

Median

19.2%

75th percentile

41.9%

90th percentile

75.3%

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