Bank Insights
Quarter-over-quarter rankings sourced from FDIC call-report data.
Texas Ratio Watch
Institutions where (NPLs + OREO) exceed 20% of tangible equity plus loan-loss reserves — the classic distress indicator.
View ranked list →Rising NPLs by Category — CRE — commercial
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
View ranked list →Rising NPLs by Category — CRE — construction
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
View ranked list →Rising NPLs by Category — CRE — multifamily
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
View ranked list →Rising NPLs by Category — CRE — non-residential
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
View ranked list →Rising NPLs by Category — 1-4 family residential
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
View ranked list →OREO Accumulators
Institutions whose Other Real Estate Owned (OREO) balance — foreclosed property held on the books — grew the most this quarter relative to total assets. A rising OREO balance signals the back-end of the credit-loss cycle, where workouts have converted to property held for sale.
View ranked list →Under-Reserved Lenders
Institutions whose loss allowance is small relative to the nonperforming-loan balance they are carrying. Low coverage means future write-downs will erode capital directly rather than being absorbed by the allowance buffer.
View ranked list →Capital-Pressured Institutions
Institutions that tripped a regulatory capital-pressure flag this quarter. Banks raise the flag when Tier 1 leverage drops below 5% or total risk-based capital drops below 10%; credit unions raise it when the net worth ratio drops below 7%. Within flagged institutions, those running well above their size-cohort peer median on nonperforming loans surface first.
View ranked list →Hotspot Geographies
U.S. states whose institution-weighted nonperforming-loan ratio grew the most quarter-over-quarter — surfaces regions where stress is building across the local banking landscape.
View ranked list →Outliers vs Peer Cohort
Institutions whose nonperforming-loan ratio is at least twice the median for their size cohort — surfaces outliers that are running well above peers regardless of absolute level.
View ranked list →HFS Loan Pool Surges
Banks whose loans-held-for-sale balance rose at least $5M quarter-over-quarter — an early signal of asset-disposition staging, portfolio repositioning, or distress-driven shedding.
View ranked list →Uninsured Deposit Stress
Banks where the share of uninsured deposits relative to total deposits exceeds the majority-uninsured threshold. Concentration in uninsured deposits is the funding-stability vulnerability that drove regional-bank stress in the post-pandemic banking crisis — depositors above the FDIC insurance limit are flight risks when confidence wavers, and the bank must hold higher-quality liquid assets or pay up for committed funding to compensate.
View ranked list →Bond Portfolio Pain
Banks where the combined unrealized losses on the available-for-sale (AFS) and held-to-maturity (HTM) securities portfolios — relative to total equity — exceed the capital-pressure threshold. Heavy mark-to-market losses constrain a bank's ability to sell securities for liquidity without crystallizing equity-eroding losses, and were the proximate trigger of the recent regional-bank failures.
View ranked list →Modified Loan Pools
Banks where the loan-modification (LMD) balance — workouts of loans to distressed borrowers under the post-CECL modification framework — represents an outsized share of total loans. High LMD concentration signals active workout activity, which can be a leading indicator of credit deterioration when modification balances rise faster than charge-offs resolve them.
View ranked list →Charge-Off Velocity by Category — 1-4 family — 1st lien
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — 1-4 family — junior lien
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — 1-4 family — HELOC
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — Multifamily
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — CRE — owner-occupied
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — CRE — non-owner-occupied
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — Construction — 1-4 family
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — Construction — other
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — Commercial & industrial
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →Charge-Off Velocity by Category — Consumer
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
View ranked list →NPL Volume Leaders by Category — 1-4 family — 1st lien
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — 1-4 family — junior lien
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — 1-4 family — HELOC
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — Multifamily
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — CRE — owner-occupied
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — CRE — non-owner-occupied
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — Construction — 1-4 family
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — Construction — other
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — Commercial & industrial
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →NPL Volume Leaders by Category — Consumer
Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.
View ranked list →Recent Acquirers
Active banks that absorbed another institution in the last 24 months, ranked by the inherited nonperforming loan volume from the acquired bank's final call report. An acquirer inherits the seller's full portfolio — including loans outside the acquirer's underwriting box, which often surface as forced NPL sales within 12-24 months of close.
View ranked list →