In Q1 2026, 50 institutions showed capital levels below their peer medians. BYKOTA in NY led the group with a +25.4pp deviation, followed by LAMONT BANK OF ST JOHN in WA at +21.6pp and PEOPLE TRUST COMMUNITY in AR at +20.0pp.

Capital-Pressured Institutions

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	BYKOTA	CU	NY	25.4%	-0.6
2	LAMONT BANK OF ST JOHN	BANK	WA	21.6%	+18.0
3	PEOPLE TRUST COMMUNITY	CU	AR	20.0%	+4.7
4	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	16.8%	-0.8
5	WEDEVELOPMENT	CU	MO	14.6%	-9.8
6	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	14.1%	-4.4
7	WASHITA VALLEY BANK	BANK	OK	12.6%	+1.9
8	BANK OF CHINA	BANK	CA	11.4%	+3.6
9	GN BANK	BANK	IL	10.4%	+1.7
10	BOTHWELL HOSPITAL EMPLOYEES	CU	MO	10.0%	+8.3
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	CITIZENS CHOICE	CU	MS	████	████	████
12	FIRST NB OF FAIRFAX	BANK	MN	████	████	████
13	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
14	BANK OF ONTARIO	BANK	WI	████	████	████
15	RED RIVER STATE BANK	BANK	MN	████	████	████
16	BANK OF GUEYDAN	BANK	LA	████	████	████
17	BANK OF EAST ASIA LTD	BANK	NY	████	████	████
18	WALDEN MUTUAL BANK	BANK	NH	████	████	████
19	IUKA STATE BANK	BANK	IL	████	████	████
20	CITIZENS BANK&TRUST CO	BANK	LA	████	████	████
21	GEORGIA GUARD	CU	GA	████	████	████
22	HOME SAVINGS BANK FSB	BANK	KY	████	████	████
23	CITIZENS STB OF LULING	BANK	TX	████	████	████
24	FIRST SOUTHERN BANK	BANK	AL	████	████	████
25	CITIZENS COMMUNITY BANK	BANK	IL	████	████	████
26	SOLON STATE BANK	BANK	IA	████	████	████
27	FINWISE BANK	BANK	UT	████	████	████
28	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
29	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
30	GARFIELD COUNTY BANK	BANK	MT	████	████	████
31	TRIAD BANK NATIONAL ASSN	BANK	OK	████	████	████
32	COPPER & GLASS	CU	PA	████	████	████
33	FARMERS BANK	BANK	CO	████	████	████
34	FIRST STATE BANK IN TEMPLE	BANK	OK	████	████	████
35	HEADWATERS STATE BANK	BANK	WI	████	████	████
36	KENTLAND FS&LA	BANK	IN	████	████	████
37	MUTUALONE BANK	BANK	MA	████	████	████
38	BANK OF ANGUILLA	BANK	MS	████	████	████
39	MONTEZUMA STATE BANK	BANK	IA	████	████	████
40	MORNING STAR	CU	OK	████	████	████
41	CROWN BANK	BANK	NJ	████	████	████
42	FIRST BANK	BANK	KS	████	████	████
43	FIRST NATIONAL BANK OF MOODY	BANK	TX	████	████	████
44	EASTERN SAVINGS BANK FSB	BANK	MD	████	████	████
45	FIRST NB&T CO OF WEATHERFORD	BANK	TX	████	████	████
46	ANCO COMMUNITY	CU	IL	████	████	████
47	VITELCO EMPLOYEES	CU	VI	████	████	████
48	HAMILTON HORIZONS	CU	NJ	████	████	████
49	SOUTHERN ILLINOIS BANK	BANK	IL	████	████	████
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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