In Q2 2026, charge-off rates for 1-4 family — junior lien mortgages rose across 50 institutions tracked. COLORADO FSB in CO posted the highest rate at 276.5%, increasing +21.1 per quarter, while FIRST CAPITAL BANK in TX and AXIOM BANK NATIONAL ASSN in FL showed slower acceleration trajectories.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	Charge-Off Trend
1	COLORADO FSB	BANK	CO	+21.1
2	FIRST CAPITAL BANK	BANK	TX	+8.8
3	AXIOM BANK NATIONAL ASSN	BANK	FL	+2.0
4	RIVERVIEW BANK	BANK	WA	+1.5
5	BANK OF WESTERN OKLAHOMA	BANK	OK	+1.4
6	LEGENDS WEST BANK	BANK	NE	+1.2
7	CITIZENS BANK INC	BANK	AL	+1.1
8	FIRST T&SB OF WATSEKA IL	BANK	IL	+1.0
9	ALLY BANK	BANK	UT	+1.0
10	FIRST EXCHANGE BANK	BANK	WV	+0.9
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

See 40 more →

Rank	Institution	Source	State	Charge-Off Trend	Trend
11	LAKEVIEW BANK	BANK	MN	████	████
12	FNB SOUTH	BANK	GA	████	████
13	PRIORITYONE BANK	BANK	MS	████	████
14	GATEWAY BANK	BANK	AR	████	████
15	CITIZENS STATE BANK OF OURAY	BANK	CO	████	████
16	AVAILA BANK	BANK	IA	████	████
17	BANK OF CHARLOTTE COUNTY	BANK	VA	████	████
18	MVB BANK INC	BANK	WV	████	████
19	PONCE BANK NATIONAL ASSN	BANK	NY	████	████
20	FARMERS STATE BANK&TRUST CO	BANK	IL	████	████
21	FIRST NB OF HUGHES SPRINGS	BANK	TX	████	████
22	FORTIS BANK	BANK	CO	████	████
23	BANK OF FRANKEWING	BANK	TN	████	████
24	COMMUNITY BANK DELAWARE	BANK	DE	████	████
25	SANIBEL CAPTIVA CMTY BANK	BANK	FL	████	████
26	TEXANA BANK NATIONAL ASSN	BANK	TX	████	████
27	EAST WEST BANK	BANK	CA	████	████
28	FINANCIAL FEDERAL BANK	BANK	TN	████	████
29	COMMUNITY BANK OF MARSHALL	BANK	MO	████	████
30	SMBC MANUBANK	BANK	CA	████	████
31	FIRST BANK OF BERNE	BANK	IN	████	████
32	BAYFIRST NATIONAL BANK	BANK	FL	████	████
33	TOMPKINS COMMUNITY BANK	BANK	NY	████	████
34	NORTH CENTRAL BANK	BANK	IL	████	████
35	SUPERIOR NATIONAL BANK	BANK	MI	████	████
36	BANK OF ST FRANCISVILLE	BANK	LA	████	████
37	SOUND BANKING CO	BANK	WA	████	████
38	PEOPLES COMMUNITY BANK	BANK	MO	████	████
39	RANDALL STATE BANK	BANK	MN	████	████
40	ALERUS FINANCIAL NA	BANK	ND	████	████
41	FIRST NB OF MILACA	BANK	MN	████	████
42	FIRST STATE BANK OF BLAKELY	BANK	GA	████	████
43	IDABEL NATIONAL BANK	BANK	OK	████	████
44	FIRST WESTROADS BANK INC	BANK	NE	████	████
45	TBK BANK SSB	BANK	TX	████	████
46	FINWISE BANK	BANK	UT	████	████
47	FARMERS BANK	BANK	TN	████	████
48	PATRIOTS BANK	BANK	KS	████	████
49	LOWRY STATE BANK	BANK	MN	████	████
50	EAGLEBANK	BANK	MD	████	████

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.

Learn more about CO Velocity →