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: every FDIC-insured institution with a New Jersey charter that filed a Call Report at the as-of date (50 in the Q2 2026 edition). Report dates used in the current edition: June 30, 2026 (current), June 30, 2025 (year-over-year), June 30, 2023 (36-month). Retrieved September 3, 2026. Federal government data; public domain.
Universe construction. The universe at any report date is every New Jersey-chartered institution that filed a Call Report at that date — not every institution active on the day the data was retrieved. A bank that filed at quarter-end and merged out of existence afterwards stays in that quarter's figures and leaves the next quarter's; a cohort figure for an earlier date (the year-ago base, the prior quarter) counts the banks that filed then, including any that no longer file. A bank acquired during a quarter appears only through its acquirer's filing. A pull that reads only currently active charters silently drops the first case from every quarter it filed in, which is why the pipeline carries every institution from prior editions forward and counts each one at exactly the dates it filed.
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: Q3 2026 data, expected December 2026.
Methodology FAQ
Where does the NJ Bank CRE Lending Tracker get its data?+
From the FDIC BankFind Suite API, which publishes quarterly Call Report data for every FDIC-insured institution. The tracker reads the commercial real estate concentration fields directly from that source; no figures are estimated or entered by hand.
How often is the tracker updated?+
Quarterly, after the FDIC publishes the new Call Report cycle. Each release is labeled with the data vintage it reflects.
What does the 300% concentration level mean?+
It is the regulatory monitoring threshold at which a bank's non-owner-occupied commercial real estate loans exceed 300% of its total risk-based capital. It is a supervisory signal, not a lending prohibition, and it is one of the fields the tracker reports for each institution.
Is the tracker a recommendation of any bank?+
No. It is a public-data reference. Blue Sky Capital Advisors does not rank, endorse, or receive compensation from any institution listed.