NJ Bank CRE Lending Tracker: Methodology, Sources & Limitations
How every number on the tracker is sourced and computed — and the caveats a careful reader should know.
Sources
FFIEC Call Reports (Consolidated Reports of Condition and Income), retrieved through the FDIC BankFind Suite API (api.fdic.gov/banks/). Institution universe: all FDIC-insured institutions with an active New Jersey charter (50 as of Q1 2026). Report dates used in the current edition: March 31, 2026 (current), March 31, 2025 (year-over-year), March 31, 2023 (36-month). Retrieved July 14, 2026. Federal government data; public domain.
Field definitions (FDIC field → Call Report concept)
LNRECONS = construction & land development loans · LNREMULT = multifamily (5+ residential units) · LNRENROW / LNRENROT = nonfarm nonresidential secured loans, owner-occupied / non-owner-occupied · RBC = total risk-based capital · RBCT1J = Tier 1 capital · LNATRES = allowance for credit losses. We verified internal consistency on live filings: owner- plus non-owner-occupied equals total nonfarm nonresidential, and Tier 1 plus Tier 2 equals total risk-based capital.
Formulas
Per the 2006 Interagency Guidance on Concentrations in Commercial Real Estate Lending (FDIC FIL-104-2006; Federal Reserve SR 07-1): Total CRE concentration = (LNRECONS + LNREMULT + LNRENROT) ÷ total risk-based capital. C&D concentration = LNRECONS ÷ total risk-based capital. The guidance's supervisory criteria are 100% (C&D) and 300% combined with ≥50% CRE growth over 36 months (total CRE); we show both the ratio and the 36-month growth so readers can see each prong.
Known limitations — read these
- The regulatory CRE definition also includes loans to finance CRE that are not secured by real estate, a C&I subset without a standard public field; omitting it makes our ratios slightly conservative relative to banks' own calculations.
- Owner-occupied commercial real estate is excluded from the concentration measure by design (it behaves like C&I credit) but is shown in the downloadable dataset.
- Call Report data is entity-level: an NJ charter's loans are not all on NJ property, and much NJ property is financed by out-of-state charters.
- CBLR electors (†) use a proxied denominator — Tier 1 capital plus the allowance for credit losses, per the agencies' CBLR transition approach — because they do not report risk-based capital.
- Merger-affected growth figures are flagged (‡); this table measures balance-sheet position, not organic origination volume.
- Exceeding a supervisory monitoring criterion is not a violation, a cap, or a finding about any institution's condition.
Update cadence
Call Reports are filed ~30 days after quarter-end and published shortly after. This tracker updates each quarter, roughly 60–75 days after quarter-end. Next update: Q2 2026 data, expected September 2026.