In Q1 2026, 1-4 family — junior lien charge-offs across 50 institutions showed mixed momentum. FIRST CAPITAL BANK (TX) recorded the steepest quarterly acceleration at +14.5, while PONCE BANK NATIONAL ASSN (NY) and PROSPECT BANK (IL) increased at +2.2 and +2.1 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	+14.5
2	PONCE BANK NATIONAL ASSN	BANK	NY	+2.2
3	PROSPECT BANK	BANK	IL	+2.1
4	BANK OF WESTERN OKLAHOMA	BANK	OK	+1.9
5	AXIOM BANK NATIONAL ASSN	BANK	FL	+1.6
6	GATEWAY BANK	BANK	AR	+1.2
7	COMMUNITY BANK DELAWARE	BANK	DE	+1.1
8	PRIORITYONE BANK	BANK	MS	+1.0
9	ALLY BANK	BANK	UT	+0.9
10	MVB BANK INC	BANK	WV	+0.9
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	RIVERVIEW BANK	BANK	WA	████	████
12	FARMERS STATE BANK&TRUST CO	BANK	IL	████	████
13	AMERICAN BANK	BANK	LA	████	████
14	COMMERCIAL BANK	BANK	MS	████	████
15	TEXANA BANK NATIONAL ASSN	BANK	TX	████	████
16	SUPERIOR NATIONAL BANK	BANK	MI	████	████
17	FORTIS BANK	BANK	CO	████	████
18	BANK OF ST FRANCISVILLE	BANK	LA	████	████
19	FIRST PRYORITY BANK	BANK	OK	████	████
20	FIRST BANK OF BERNE	BANK	IN	████	████
21	ROBERTSON BANKING CO	BANK	AL	████	████
22	INBANK	BANK	NM	████	████
23	FIRST WESTROADS BANK INC	BANK	NE	████	████
24	TBK BANK SSB	BANK	TX	████	████
25	PEOPLES COMMUNITY BANK	BANK	MO	████	████
26	FIRST NB OF MILACA	BANK	MN	████	████
27	FIRST STATE BANK OF BLAKELY	BANK	GA	████	████
28	IDABEL NATIONAL BANK	BANK	OK	████	████
29	CITIZENS BANK&TRUST CO	BANK	AR	████	████
30	FINANCIAL FEDERAL BANK	BANK	TN	████	████
31	EAGLEBANK	BANK	MD	████	████
32	EAST WEST BANK	BANK	CA	████	████
33	FIRST NB OF HUGHES SPRINGS	BANK	TX	████	████
34	PATRIOTS BANK	BANK	KS	████	████
35	BANK OF COUSHATTA	BANK	LA	████	████
36	CITIZENS BANK OF SWAINSBORO	BANK	GA	████	████
37	BANK OF FRANKEWING	BANK	TN	████	████
38	BONVENU BANK NATIONAL ASSN	BANK	LA	████	████
39	BUSEY BANK	BANK	IL	████	████
40	COMMUNITY BANK OF MARSHALL	BANK	MO	████	████
41	BLUE RIDGE BANK NA	BANK	VA	████	████
42	THREE RIVERS BANK OF MONTANA	BANK	MT	████	████
43	UNION SAVINGS BANK	BANK	CT	████	████
44	PEOPLES BANK	BANK	WA	████	████
45	NEWTOWN SAVINGS BANK	BANK	CT	████	████
46	FINWISE BANK	BANK	UT	████	████
47	SMBC MANUBANK	BANK	CA	████	████
48	FIRST EXCHANGE BANK	BANK	WV	████	████
49	NORTH CENTRAL BANK	BANK	IL	████	████
50	STATE BANK&TRUST	BANK	AL	████	████

Methodology

This card ranks banks whose trailing two-year trend slope of category-specific year-to-date charge-off ratio meets or exceeds 0.001 per quarter (approximately 0.4 percentage points per year of rising charge-off velocity). The ratio is computed inline as charge_off_volume_ytd divided by loan_balance per (institution, quarter, category). The slope is then computed via Postgres regr_slope() over up to eight quarter-end observations within the trailing two-year window (t in quarter units; y = decimal charge-off ratio). Banks with fewer than two observations are excluded by regr_slope null-handling. Field sources: FFIEC Call Report Schedule RI-B Part I per-category charge-off codes (RIAD4635 family at the institution-total level; RIADC234, RIADC235, RIAD5411, RIAD3588, RIADC895, RIADC897, RIADC891, RIADC893, RIAD4638, RIADB514 / RIADK129 / RIADK205 for individual leaves; all pinned in lib/call-report/cdr-fields.js). Per-category charge-off volume is stored in call_report_metrics_by_category.charge_off_volume_ytd with source='fdic_cdr'; loan_balance in the same row provides the denominator. Acceleration in charge-offs typically precedes nonperforming-loan ratio spikes by one to three quarters; this card surfaces the leading-edge signal. Categories below ten qualifying banks per quarter render no landing (compute-cards skips snapshot generation; route returns 404 per spec § Empty-category filter).

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