BDI

concentration

Residential Loans to Capital

One-to-four-family mortgages and HELOCs relative to total risk-based capital.

As of Q1 2026FDICLNRERESFDICLNRELOCFDICRBCSource retrieved 2026-08-01

National median

168.6%

Middle half

84.2%272.6%

Direction

Context dependent

What it means

Why this metric matters

The ratio shows housing credit exposure against the regulatory capital cushion. Geography, lien position, and underwriting remain important context.

How it is calculated

Formula and source fields

(res_1_4_first + heloc) / NULLIF(total_risk_based_capital, 0) * 100

Source fields: LNRERES + LNRELOC + RBC. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

2,524 observations · Q1 2026

10th percentile

29.4%

25th percentile

84.2%

Median

168.6%

75th percentile

272.6%

90th percentile

407.6%
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
    0.0%
  2. 2
    Commercial State BankNE
    0.0%
  3. 3
    The Lamesa National BankTX
    0.0%
  4. 4
    The First National Bank of GordonNE
    0.0%
  5. 5
    The Farmers State Bank of TurtonSD
    0.0%
  6. 6
    Farmers State Bank of EmdenIL
    0.0%
  7. 7
    The First State BankKS
    0.0%
  8. 8
    Transact Bank, National AssociationCO
    0.0%
  9. 9
    Ipswich State BankSD
    0.0%
  10. 10
    The Security State BankSD
    0.0%

Highest reported values

  1. 1
    Connect Community BankWA
    1,645.6%
  2. 2
    Compass Savings BankPA
    1,172.5%
  3. 3
    Third Federal Savings and Loan Association of ClevelandOH
    1,100.9%
  4. 4
    First Federal Bank, A FSBAL
    1,048.7%
  5. 5
    First National Bank of AmericaMI
    997.7%
  6. 6
    TrustCo BankNY
    952.5%
  7. 7
    The National Iron BankCT
    891.6%
  8. 8
    Tioga-Franklin Savings BankPA
    870.5%
  9. 9
    State Bank of Southwest MissouriMO
    852.3%
  10. 10
    The Glen Burnie Mutual Savings BankMD
    848.0%

Continue exploring

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CRE Concentration to CapitalConstruction Concentration to CapitalAgricultural Loans to CapitalC&I Loans to CapitalMultifamily Loans to Capital