H8: Notice to Users of the H.8 Release

Data on this H.8 release have been benchmarked through the March 2026 Call Report. Data on the previous release were benchmarked through the December 2025 Call Report. The release also incorporates updated seasonal factors and revisions to underlying data.Data released on July 2, 2026, include revised historical growth rates for three aggregate series that were introduced January 7, 2015, on the H.8 release. These revised series were: total commercial real estate loans (CRE), other consumer loans including auto loans, and all other loans and leases.For background, in January 2015, several changes to line items shown on the H.8 release were announced. Some of the changes involved the breakdown of series that had previously been reported as totals. Three such changes were:1. Total commercial real estate loans were split into four subcategories: commercial real estate loans, construction and land development loans; commercial real estate loans, secured by farmland; commercial real estate loans, secured by multifamily properties; and commercial real estate loans, secured by nonfarm nonresidential properties;2. Other consumer loans were split into auto loans and all other consumer loans;3. Other loans and leases were split into all other loans and leases, loans to nondepository financial institutions and all other loans and leases, all loans not elsewhere classified.Starting January 2015, because these three series are no longer reported series, non- published historical level data used to calculate the growth rates of these series had not been adjusted for nonbank structure activities. Now that these level series have been adjusted for nonbank structure activities, growth rates of these series have changed and are more realistic for commercial banks and domestically chartered commercial banks. No other historical data have been revised due to these changes.