Every number, explained

EveryBank, the mean

Add up total assets for every bank in the roster and divide by 4,239. The sum is about $26.5 trillion. Employees are full-time equivalents at quarter-end.

RCON2170 total assets. RIAD4150 full-time equivalent employees (a point-in-time count, so it is not de-accrued like other income-statement items).

Every bank gets one vote, but the dollars are not evenly spread. The largest constituent reports $4.09 trillion by itself. The mean is what the industry would look like if all its assets were split evenly across every charter.

EveryBank, the median

Line up all 4,239 banks by total assets and take the one in the middle. Half of US banks are smaller than this.

Same as the mean: RCON2170 and RIAD4150.

The mean bank is 16 times the size of the median bank. Neither number is wrong. The mean answers "how much banking is there, per bank?" The median answers "what does a typical bank look like?"

Checking & Deposits

Total deposits in domestic offices: checking, savings, money market and CDs.

RCON2200.

This is the entry rule. EveryBank counts a Call Report filer only if it holds deposits, the same test the FDIC uses in its Quarterly Banking Profile. That is 4,239 of the 4,297 filers for June 30, 2026. The other 58 filers report no deposits.

Loans & Mortgages

Total loans and leases, net of unearned income.

RCON2122.

At the median bank, the biggest loan lines are 1–4 family residential ($66.8M), non-owner-occupied commercial real estate ($27.4M), owner-occupied CRE ($26.1M) and C&I ($22.7M). At the mean, 1–4 family ($703M) is followed by C&I ($599M) and consumer loans ($494M). Credit cards and auto lending sit mostly at the largest banks, so "mostly homes and CRE" describes the typical bank, not the average dollar.

Wealth & Trust

The share of banks reporting any fiduciary assets, managed or non-managed. That is about 412 banks.

Schedule RC-T, total fiduciary assets: B894 + B895. Only banks with trust powers file RC-T.

The mean shows a large trust business, but that comes from a small number of custody and fiduciary giants spread across all 4,239 banks. Nine banks in ten have no trust department.

Capital Markets

The share of banks reporting any notional amount in foreign-exchange derivatives (about 77 banks), and separately in interest-rate swaps (about 396 banks).

Schedule RC-L, FX column: 8694, 8698, 8702, 8706, 8710, 8714 (futures, forwards, options) and 3826 (swaps). Interest-rate swaps: 3450.

About three-quarters of banks file the streamlined FFIEC 051 form, which does not carry this derivatives detail. They count as zero here. Most interest-rate swaps at smaller banks are plain hedges on loans or deposits, not trading.

The farm

Loans secured by farmland plus loans to finance agricultural production.

1420 (RC-C item 1.b, secured by farmland) + 1590 (RC-C item 3, agricultural production).

The mean is 5.4 times the median. For total assets the gap is 16 times. Ag lending is spread across banks more evenly than almost anything else on the balance sheet, and the median bank really does it.

The herd

Livestock loans sit inside agricultural production loans (1590), together with crop, equipment and operating lines. The Call Report does not break out cattle.

In a resolution, livestock is collateral that has to be fed. Feed, vet and yard bills keep coming whether the bank is open or not, and the collateral loses value fast if they stop. No schedule measures that risk. The loan officer knows it.

The house

1–4 family residential loans (first liens, junior liens and home equity lines) as a share of total assets. For banks under $1 billion (3,191 of them), the median is 17.9%.

5367 (first liens) + 5368 (junior liens) + 1797 (HELOCs).

Median 1–4 family loans divided by median total assets was 16.5% in June 2016 and 16.9% in June 2026. It dipped to 13.2% in 2021, when pandemic deposits swelled balance sheets, then came back. (The time series uses all Call Report filers each year.)

The street

"Tradable" means mortgage exposure a bank can sell without reclassifying it: residential MBS held available-for-sale, mortgage securities in the trading book, and 1–4 family loans held for sale. Held-to-maturity securities and loans kept in portfolio are excluded. Across all 4,239 banks that is $1.40 trillion. The 32 banks over $100 billion hold 65.9% of it. The 3,191 banks under $1 billion hold 2.3%.

AFS residential MBS at fair value, RC-B: pass-throughs G303, G307, G311 and CMOs G315, G319, G323. Trading-book MBS, RC-D: G379, G380, G381, K197, K198. Loans held for sale, RC-P: FT05.

70.5% of banks hold some. The median bank holds $4.0M. The same 32 giants hold 59.5% of all 1–4 family loans on bank balance sheets, so the tradable side is even more concentrated.

Take deposits & make loans

Every constituent holds deposits, because that is the entry rule (RCON2200 > 0). 99.2% also report loans (RCON2122). The other 34 banks take deposits but report no loans.

Owner-occupied CRE lending

Loans secured by nonfarm, nonresidential property that the borrower occupies: the dentist's office, the supply warehouse, the church.

F160 (RC-C item 1.e.(1)).

FHLB advances

Borrowings from the Federal Home Loan Banks, all maturities.

F055–F058 (RC-M item 5.a, by remaining maturity).

When about half of banks borrow at all, the median bank sits right on the edge. Who won the FHLB advances →

Any interest-rate swap

Banks reporting any interest-rate swap notional. See Capital Markets for the item and the 051 caveat.

3450 (Schedule RC-L).

Mortgage-banking income

Noninterest income for the quarter from selling, securitizing and servicing 1–4 family mortgages.

HT85 (Schedule RC-P). It is reported for the quarter, so it is not de-accrued. RC-P is filed only by banks above a size or mortgage-activity threshold; 12.4% of banks report this item at all.

Hold trading assets

Banks reporting any trading assets. The median is zero.

RCON3545 total trading assets (detail on Schedule RC-D).