BDI

loan mix

1–4 Family Loan Share

One-to-four-family residential loans as a percentage of gross loans.

As of Q1 2026FDICLNRERESFDICLNLSGRSource retrieved 2026-08-01

National median

26.76%

Middle half

14.93%41.19%

Direction

Context dependent

What it means

Why this metric matters

The share shows how much of the loan book is tied to household housing credit. It also helps distinguish mortgage-oriented banks from commercial lenders.

How it is calculated

Formula and source fields

res_1_4_first / NULLIF(gross_loans, 0) * 100

Source fields: LNRERES + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

6.41%

25th percentile

14.93%

Median

26.76%

75th percentile

41.19%

90th percentile

59.30%
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
    Western Dakota BankSD
    0.00%
  3. 3
    Commercial State BankNE
    0.00%
  4. 4
    The Lamesa National BankTX
    0.00%
  5. 5
    The First National Bank of GordonNE
    0.00%
  6. 6
    The Farmers State Bank of TurtonSD
    0.00%
  7. 7
    Grant County State BankND
    0.00%
  8. 8
    First Bank of OhioOH
    0.00%
  9. 9
    Nebraska State BankNE
    0.00%
  10. 10
    Farmers State Bank of EmdenIL
    0.00%

Highest reported values

  1. 1
    Principal BankIA
    100.12%
  2. 2
    Quontic BankNY
    100.12%
  3. 3
    Wilmington Trust, National AssociationDE
    100.00%
  4. 4
    Wells Fargo National Bank WestNV
    100.00%
  5. 5
    Bank of America California, National AssociationCA
    100.00%
  6. 6
    BNY Mellon Trust of DelawareDE
    100.00%
  7. 7
    Wells Fargo Bank South Central, National AssociationTX
    100.00%
  8. 8
    Cenlar FSBNJ
    100.00%
  9. 9
    Hatboro Federal Savings, FAPA
    99.99%
  10. 10
    Third Federal Savings and Loan Association of ClevelandOH
    99.91%

Continue exploring

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