In Q4 2025, 50 institutions reported 1-4 family — junior lien charge-offs. FIRST CAPITAL BANK in TX led the category at 246.5%, increasing +20.3 per quarter, while PROSPECT BANK and PONCE BANK posted 20.8% and 27.9% respectively.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	FIRST CAPITAL BANK	BANK	TX	+20.3
2	PROSPECT BANK	BANK	IL	+4.3
3	PONCE BANK	BANK	NY	+3.8
4	CHEYENNE STATE BANK	BANK	WY	+3.1
5	BANK OF WESTERN OKLAHOMA	BANK	OK	+2.7
6	GATEWAY BANK	BANK	AR	+1.8
7	COMMUNITY BANK DELAWARE	BANK	DE	+1.8
8	AMERICAN BANK&TRUST CO	BANK	LA	+1.4
9	PRIORITYONE BANK	BANK	MS	+1.4
10	COMMERCIAL BANK	BANK	MS	+1.4
40 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	AXIOM BANK NATIONAL ASSN	BANK	FL	████	████
12	MVB BANK INC	BANK	WV	████	████
13	SUPERIOR NATIONAL BANK	BANK	MI	████	████
14	FARMERS STATE BANK&TRUST CO	BANK	IL	████	████
15	TEXANA BANK NATIONAL ASSN	BANK	TX	████	████
16	FIRST PRYORITY BANK	BANK	OK	████	████
17	FORTIS PRIVATE BANK	BANK	CO	████	████
18	ALLY BANK	BANK	UT	████	████
19	ROBERTSON BANKING CO	BANK	AL	████	████
20	BANK OF ST FRANCISVILLE	BANK	LA	████	████
21	FIRST BANK OF BERNE	BANK	IN	████	████
22	CITIZENS BANK&TRUST CO	BANK	AR	████	████
23	INBANK	BANK	NM	████	████
24	BANK OF COUSHATTA	BANK	LA	████	████
25	FIRST WESTROADS BANK INC	BANK	NE	████	████
26	TBK BANK SSB	BANK	TX	████	████
27	PEOPLES COMMUNITY BANK	BANK	MO	████	████
28	FIRST NB OF MILACA	BANK	MN	████	████
29	FINANCIAL FEDERAL BANK	BANK	TN	████	████
30	EAGLEBANK	BANK	MD	████	████
31	FIRST STATE BANK OF BLAKELY	BANK	GA	████	████
32	EAST WEST BANK	BANK	CA	████	████
33	IDABEL NATIONAL BANK	BANK	OK	████	████
34	CITIZENS NATIONAL BANK N A	BANK	LA	████	████
35	BLUE RIDGE BANK NA	BANK	VA	████	████
36	CITY NATIONAL BANK	BANK	CA	████	████
37	PATRIOTS BANK	BANK	KS	████	████
38	CITIZENS BANK OF SWAINSBORO	BANK	GA	████	████
39	BUSEY BANK	BANK	IL	████	████
40	NEWTOWN SAVINGS BANK	BANK	CT	████	████
41	UNION SAVINGS BANK	BANK	CT	████	████
42	PEOPLES BANK	BANK	WA	████	████
43	FIRST STATE B&T CO INC	BANK	MO	████	████
44	FIRST SECURITY BANK	BANK	MN	████	████
45	THREE RIVERS BANK OF MONTANA	BANK	MT	████	████
46	GULF COAST BANK&TRUST CO	BANK	LA	████	████
47	ENTERPRISE BANK&TRUST	BANK	MO	████	████
48	BANK OF ENGLAND	BANK	AR	████	████
49	POPULAR BANK	BANK	NY	████	████
50	SPIRITBANK	BANK	OK	████	████

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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