In Q4 2025, 25 institutions reported charge-offs in the 1-4 family — 1st lien category. COLONIAL SAVINGS FA in TX led with a charge-off ratio of 931.2%, rising +77.0 per quarter, while SCRIBNER BANK in NE and INFINITY BANK in CA posted 14.4% and 10.1% respectively.

Charge-Off Velocity by Category

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Rank	Institution	Source	State	Charge-Off 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, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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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 by how fast charge-offs in a loan category are accelerating. For each bank, quarter and category, the charge-off ratio is year-to-date charge-offs divided by that category's loan balance. We fit a straight-line trend (the slope) through up to eight quarter-end observations in the trailing two-year window, and rank banks whose slope is at least 0.001 per quarter (roughly 0.4 percentage points a year of rising charge-offs). A bank with fewer than two observations has no trend and is left out. Field sources: FFIEC Call Report Schedule RI-B Part I per-category charge-off codes, taken directly from the FFIEC Central Data Repository (CDR) — the RIAD4635 family at the institution-total level; RIADC234, RIADC235, RIAD5411, RIAD3588, RIADC895, RIADC897, RIADC891, RIADC893, RIAD4638 and RIADB514 / RIADK129 / RIADK205 for individual categories. The same filing's per-category loan balances provide the denominator. Accelerating charge-offs typically come one to three quarters before a jump in the nonperforming-loan ratio, so this card surfaces the early signal. A category with fewer than ten qualifying banks in a quarter gets no page for that quarter.

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