In Q2 2026, 50 institutions showed capital levels below peer medians. LAMONT BANK OF ST JOHN in WA led the group with a deviation of +49.5pp below peers, followed by EMPOWERMENT COMMUNITY DEVELOPMENT in TX at +41.4pp and HOBART IND SCHOOL EMPLOYEES in IN at +39.5pp.

Capital-Pressured Institutions

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	LAMONT BANK OF ST JOHN	BANK	WA	49.5%	+27.9
2	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	41.4%	+16.5
3	HOBART IND SCHOOL EMPLOYEES	CU	IN	39.5%	+39.2
4	BYKOTA	CU	NY	32.6%	+7.2
5	NANO BANC	BANK	CA	25.3%	+5.2
6	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	19.1%	+5.0
7	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	14.9%	-1.9
8	FIRST SECURITY BANK&TRUST CO	BANK	OK	12.8%	+4.3
9	GN BANK	BANK	IL	12.8%	+2.4
10	WEDEVELOPMENT	CU	MO	11.8%	-2.8
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	NPL % vs Peer	QoQ	Trend
11	SOLON STATE BANK	BANK	IA	████	████	████
12	FIRST SOUTHERN BANK	BANK	AL	████	████	████
13	BANK OF CHINA	BANK	CA	████	████	████
14	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
15	RED RIVER STATE BANK	BANK	MN	████	████	████
16	FIRST NB OF FAIRFAX	BANK	MN	████	████	████
17	FIRST STATE BANK IN TEMPLE	BANK	OK	████	████	████
18	BANK OF ONTARIO	BANK	WI	████	████	████
19	GARFIELD COUNTY BANK	BANK	MT	████	████	████
20	WASHITA VALLEY BANK	BANK	OK	████	████	████
21	IUKA STATE BANK	BANK	IL	████	████	████
22	FIRST BANK	BANK	KS	████	████	████
23	HOME SAVINGS BANK FSB	BANK	KY	████	████	████
24	CITIZENS BANK&TRUST CO	BANK	LA	████	████	████
25	FIRST SUMMIT BANK	BANK	OK	████	████	████
26	VITELCO EMPLOYEES	CU	VI	████	████	████
27	SOUTH LAFOURCHE B&T CO	BANK	LA	████	████	████
28	MONTEZUMA STATE BANK	BANK	IA	████	████	████
29	STATE EXCHANGE BANK	BANK	OK	████	████	████
30	BANK OF GUEYDAN	BANK	LA	████	████	████
31	FARMERS STATE BANK	BANK	KS	████	████	████
32	EASTERN SAVINGS BANK FSB	BANK	MD	████	████	████
33	OLD GLORY BANK	BANK	OK	████	████	████
34	PRINCEVILLE STATE BANK	BANK	IL	████	████	████
35	FAIRMOUNT STATE BANK	BANK	IN	████	████	████
36	FARMERS BANK	BANK	CO	████	████	████
37	HEADWATERS STATE BANK	BANK	WI	████	████	████
38	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
39	FIRST UTAH BANK	BANK	UT	████	████	████
40	AMERICAN BANK&TRUST CO	BANK	OK	████	████	████
41	BANK OF FRANKEWING	BANK	TN	████	████	████
42	SNB BANK NATIONAL ASSN	BANK	OK	████	████	████
43	TRIAD BANK NATIONAL ASSN	BANK	OK	████	████	████
44	CIVIC	CU	NC	████	████	████
45	M C BANK&TRUST CO	BANK	LA	████	████	████
46	MUTUALONE BANK	BANK	MA	████	████	████
47	SORG BAY WEST	CU	OH	████	████	████
48	CITIZENS COMMUNITY BANK	BANK	IL	████	████	████
49	CROWN BANK	BANK	NJ	████	████	████
50	MRV BANKS	BANK	MO	████	████	████

Methodology

Banks (FDIC-insured) are flagged when the Tier 1 leverage ratio drops below 5% OR the total risk-based capital ratio drops below 10%. Credit unions (NCUA-chartered) are flagged when the net worth ratio drops below 7% (the NCUA "well capitalized" line). Flagged institutions are then ranked by how far their nonperforming-loan ratio sits above the median for their size cohort. For banks: Tier 1 leverage ratio — FDIC BankFind RBC1AAJ; total risk-based capital ratio — FDIC BankFind RBCRWAJ. Capital ratios still come from BankFind; only the nonperforming-loan figures moved to direct call-report sourcing. Bank nonperforming-loan ratio: numerator — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403); denominator — Schedule RC-C line 12 total loans (RCFD2122 / RCON2122). For credit unions: net worth ratio — NCUA ACCT_998 (reported in hundredths of a percent and converted to a percentage). Credit-union delinquency ratio — NCUA ACCT_041B divided by total loans, ACCT_025B. Comparing banks with credit unions: the capital flag uses different regulatory thresholds for each (Tier 1 / total risk-based capital for banks, net worth ratio for credit unions). The peer ranking compares bank "non-current" loans (90+ days past due or nonaccrual) with credit-union "60+ days delinquent" loans — the closest measures the two filings share, not exact equivalents. Methodology updated 2026-03-31: the bank nonperforming-loan figures used in the peer ranking now come directly from FFIEC Call Report Schedule RC-N rather than an approximation derived from BankFind ratios. The capital-flag thresholds (5%, 10%, 7%) are unchanged. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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