Banks with the steepest multi-quarter rise in 1-4 family — HELOC 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 | GN BANK | BANK | IL | +1.5 | ||
| 2 | SPRING HILL STATE BANK | BANK | TX | +0.9 | ||
| 3 | LIBERTY BANK&TRUST CO | BANK | LA | +0.6 | ||
| 4 | FIRST GUARANTY BANK | BANK | LA | +0.5 | ||
| 5 | SMBC MANUBANK | BANK | CA | +0.5 | ||
| 6 | POPPY BANK | BANK | CA | +0.4 | ||
| 7 | CORNERSTONE BANK | BANK | IA | +0.3 | ||
| 8 | QUILL BANK | BANK | UT | +0.3 | ||
| 9 | NORTHERN STB OF VIRGINIA | BANK | MN | +0.3 | ||
| 10 | COLORADO B&T CO OF LA JUNTA | BANK | CO | +0.3 | ||
10 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 | PEOPLES BANK | BANK | KY | ████ | ████ | |
| 12 | MERCHANTS&PLANTERS BANK | BANK | MS | ████ | ████ | |
| 13 | COMMUNITY FIRST BANK | BANK | MO | ████ | ████ | |
| 14 | FIRST CITIZENS STATE BANK | BANK | WI | ████ | ████ | |
| 15 | CITIZENS BANK&TRUST CO | BANK | LA | ████ | ████ | |
| 16 | BANK OF COMMERCE | BANK | OK | ████ | ████ | |
| 17 | CITIZENS COMMUNITY BANK | BANK | GA | ████ | ████ | |
| 18 | ROBERTSON BANKING CO | BANK | AL | ████ | ████ | |
| 19 | FIRST STATE BANK | BANK | IA | ████ | ████ | |
| 20 | FIRST NB OF MIDDLE TENNESSEE | BANK | TN | ████ | ████ |
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.