50 institutions showed capital levels below peer medians in Q4 2025, with BYKOTA in NY deviating +26.0pp below its peer group, followed by WEDEVELOPMENT in MO at +24.3pp below and FIRST&PEOPLES BANK&TRUST CO in KY at +17.6pp below.

Capital-Pressured Institutions

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	BYKOTA	CU	NY	26.0%	-9.4
2	WEDEVELOPMENT	CU	MO	24.3%	+4.1
3	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	17.6%	-1.1
4	PEOPLE TRUST COMMUNITY	CU	AR	15.3%	+2.6
5	RED RIVER STATE BANK	BANK	MN	11.8%	-0.4
6	COMMUNITY B&T WEST GEORGIA	BANK	GA	9.8%	+1.8
7	WALDEN MUTUAL BANK	BANK	NH	9.3%	+4.4
8	CITIZENS CHOICE	CU	MS	8.7%	+3.7
9	GN BANK	BANK	IL	8.6%	+0.0
10	BANK OF ONTARIO	BANK	WI	8.3%	+0.1
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	NPL % vs Peer	QoQ	Trend
11	MUTUALONE BANK	BANK	MA	████	████	████
12	CROWN BANK	BANK	NJ	████	████	████
13	BANK OF CHINA	BANK	CA	████	████	████
14	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
15	CITIZENS STB OF LULING	BANK	TX	████	████	████
16	CITIZENS BANK&TRUST CO	BANK	LA	████	████	████
17	DICKINSON COUNTY BANK	BANK	KS	████	████	████
18	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
19	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
20	FIRST STATE BANK IN TEMPLE	BANK	OK	████	████	████
21	MORNING STAR	CU	OK	████	████	████
22	TRIAD BANK NATIONAL ASSN	BANK	OK	████	████	████
23	BANK OF GUEYDAN	BANK	LA	████	████	████
24	STATE BANK OF SCHALLER	BANK	IA	████	████	████
25	HOME SAVINGS BANK FSB	BANK	KY	████	████	████
26	COPPER & GLASS	CU	PA	████	████	████
27	WATER'S EDGE	CU	MS	████	████	████
28	HEADWATERS STATE BANK	BANK	WI	████	████	████
29	SNB BANK NATIONAL ASSN	BANK	OK	████	████	████
30	FARMERS BANK	BANK	CO	████	████	████
31	BANK OF ANGUILLA	BANK	MS	████	████	████
32	FIRST SOUTHERN BANK	BANK	AL	████	████	████
33	FINWISE BANK	BANK	UT	████	████	████
34	CURRIE STATE BANK	BANK	MN	████	████	████
35	MARQUETTE FARMERS STB MARQUE	BANK	KS	████	████	████
36	FIRST BANK	BANK	KS	████	████	████
37	GARFIELD COUNTY BANK	BANK	MT	████	████	████
38	CITIZENS COMMUNITY BANK	BANK	IL	████	████	████
39	STATE EXCHANGE BANK	BANK	OK	████	████	████
40	FIRST NB&T CO OF WEATHERFORD	BANK	TX	████	████	████
41	IUKA STATE BANK	BANK	IL	████	████	████
42	MONTEZUMA STATE BANK	BANK	IA	████	████	████
43	BANK OF FRANKEWING	BANK	TN	████	████	████
44	MRV BANKS	BANK	MO	████	████	████
45	TRANSFIGURATION PARISH	CU	NY	████	████	████
46	BANK OF MOUNDVILLE	BANK	AL	████	████	████
47	AMERISTATE BANK	BANK	OK	████	████	████
48	SOLON STATE BANK	BANK	IA	████	████	████
49	GLOBAL BANK	BANK	NY	████	████	████
50	FIDELITY BANK OF TEXAS	BANK	TX	████	████	████

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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