Banks with the steepest multi-quarter rise in 1-4 family — 1st lien charge-offs
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.
| Rank | Institution | Source | State | Charge-Off Trend | Trend | |
|---|---|---|---|---|---|---|
| 1 | COLONIAL SAVINGS FA | BANK | TX | +77.0 | ||
| 2 | SCRIBNER BANK | BANK | NE | +1.2 | ||
| 3 | INFINITY BANK | BANK | CA | +0.8 | ||
| 4 | STATE BANK OF TEXAS | BANK | TX | +0.8 | ||
| 5 | FIRSTIER BANK | BANK | NE | +0.5 | ||
| 6 | POWELL STATE BANK | BANK | TX | +0.5 | ||
| 7 | LITTLE HORN STATE BANK | BANK | MT | +0.4 | ||
| 8 | WESTERN NATIONAL BANK | BANK | MN | +0.4 | ||
| 9 | BANK PLUS | BANK | IA | +0.3 | ||
| 10 | FIRST STATE BANK IN TEMPLE | BANK | OK | +0.3 | ||
15 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation | ||||||
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| Rank | Institution | Source | State | Charge-Off Trend | Trend | |
|---|---|---|---|---|---|---|
| 11 | STATE BANK OF NAUVOO | BANK | IL | ████ | ████ | |
| 12 | SOUTH LAFOURCHE B&T CO | BANK | LA | ████ | ████ | |
| 13 | AXIOM BANK NATIONAL ASSN | BANK | FL | ████ | ████ | |
| 14 | VERMILION BANK&TRUST CO | BANK | LA | ████ | ████ | |
| 15 | PINNACLE BANK INC | BANK | KY | ████ | ████ | |
| 16 | LIVE OAK BANKING CO | BANK | NC | ████ | ████ | |
| 17 | FIRST NB OF HOOKER | BANK | OK | ████ | ████ | |
| 18 | EVABANK | BANK | AL | ████ | ████ | |
| 19 | ESQUIRE BANK NATIONAL ASSN | BANK | NY | ████ | ████ | |
| 20 | BANK OF HERRIN | BANK | IL | ████ | ████ | |
| 21 | MILFORD BUILDING&LOAN ASSN | BANK | IL | ████ | ████ | |
| 22 | FRANKLIN BANK&TRUST CO | BANK | KY | ████ | ████ | |
| 23 | 1ST BANK IN HOMINY | BANK | OK | ████ | ████ | |
| 24 | COMMUNITY BANK&TRUST ALABAMA | BANK | AL | ████ | ████ | |
| 25 | FARMERS&MERCHANTS STB ALPHA | BANK | MN | ████ | ████ |
Methodology
This card ranks banks whose trailing two-year trend slope of category-specific year-to-date charge-off ratio meets or exceeds 0.001 per quarter (approximately 0.4 percentage points per year of rising charge-off velocity). The ratio is computed inline as charge_off_volume_ytd divided by loan_balance per (institution, quarter, category). The slope is then computed via Postgres regr_slope() over up to eight quarter-end observations within the trailing two-year window (t in quarter units; y = decimal charge-off ratio). Banks with fewer than two observations are excluded by regr_slope null-handling. Field sources: FFIEC Call Report Schedule RI-B Part I per-category charge-off codes (RIAD4635 family at the institution-total level; RIADC234, RIADC235, RIAD5411, RIAD3588, RIADC895, RIADC897, RIADC891, RIADC893, RIAD4638, RIADB514 / RIADK129 / RIADK205 for individual leaves; all pinned in lib/call-report/cdr-fields.js). Per-category charge-off volume is stored in call_report_metrics_by_category.charge_off_volume_ytd with source='fdic_cdr'; loan_balance in the same row provides the denominator. Acceleration in charge-offs typically precedes nonperforming-loan ratio spikes by one to three quarters; this card surfaces the leading-edge signal. Categories below ten qualifying banks per quarter render no landing (compute-cards skips snapshot generation; route returns 404 per spec § Empty-category filter).