Among 22 banks reporting 1-4 family — HELOC charge-offs in Q4 2025, GN BANK in IL posted the highest rate at 15.5%, rising +3.1 per quarter. CAPITAL COMMUNITY BANK in UT and LIBERTY BANK&TRUST CO in LA followed with rates of 6.4% and 11.4%, respectively.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	GN BANK	BANK	IL	+3.1
2	CAPITAL COMMUNITY BANK	BANK	UT	+1.4
3	LIBERTY BANK&TRUST CO	BANK	LA	+1.3
4	FIRST MISSOURI BANK OF SEMO	BANK	MO	+1.2
5	BANK OF COMMERCE	BANK	OK	+0.9
6	SPRING HILL STATE BANK	BANK	TX	+0.6
7	PEOPLES BANK	BANK	KY	+0.6
8	MERCHANTS&PLANTERS BANK	BANK	MS	+0.5
9	TOWER COMMUNITY BANK	BANK	TN	+0.4
10	PEOPLES SAVINGS BANK	BANK	OH	+0.4
12 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	USAA FEDERAL SAVINGS BANK	BANK	AZ	████	████
12	TRANSPECOS BANKS SSB	BANK	TX	████	████
13	CNB BANK&TRUST N A	BANK	IL	████	████
14	FIRST NB OF GILLETTE	BANK	WY	████	████
15	KERNDT BROTHERS SAVINGS BANK	BANK	IA	████	████
16	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████
17	SEATTLE BANK	BANK	WA	████	████
18	GLOBAL INNOVATIONS BANK	BANK	MN	████	████
19	BANKSTAR FINANCIAL	BANK	SD	████	████
20	COASTAL COMMUNITY BANK	BANK	WA	████	████
21	ALLY BANK	BANK	UT	████	████
22	CONNECTONE BANK	BANK	NJ	████	████

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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