In appendix A of subpart A of part 365 it states: The aggregate amount of all loans in excess of the supervisory loan-to-value limits should not exceed 100 percent of total capital.2 Moreover, within the aggregate limit, total loans for all commercial, agricultural, multifamily or other non-1-to-4 family residential properties should not exceed 30 percent of total capital. An institution will come under increased supervisory scrutiny as the total of such loans approaches these levels.

Our question is what percentage of total capital is the limit for 1-4 family residential properties? The above quote only addresses non 1-4 family.

OCC indicated to us that it is whatever is left to get to your 100% after the non-residential was used up. That's how our reports are structured and we have gotten no questions on it.