In Q4 2025, 50 institutions reported Commercial & industrial charge-offs. The three fastest-rising rates were STATE EXCHANGE BANK in OK at 37.2%, increasing +6.0 per quarter; NANO BANC in CA at 55.5%, up +5.3 per quarter; and FARMERS STATE BANK in KS at 33.9%, rising +5.2 per quarter.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	STATE EXCHANGE BANK	BANK	OK	+6.0
2	NANO BANC	BANK	CA	+5.3
3	FARMERS STATE BANK	BANK	KS	+5.2
4	BISON STATE BANK	BANK	KS	+5.1
5	BEAL BANK	BANK	TX	+4.9
6	COMMUNITY STATE BANK	BANK	IA	+4.7
7	LAMONT BANK OF ST JOHN	BANK	WA	+4.5
8	SECURITY STATE BANK	BANK	SD	+4.0
9	DALHART FS&LA SSB	BANK	TX	+3.0
10	STATE NATIONAL BANK OF GROOM	BANK	TX	+2.6
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	Charge-Off Trend	Trend
11	AMERICAN EQUITY BANK	BANK	MN	████	████
12	STATE BANK OF NAUVOO	BANK	IL	████	████
13	FIRST STATE BANK	BANK	IA	████	████
14	AMERICAN BANK OF BEAVER DAM	BANK	WI	████	████
15	SAVINGS BANK	BANK	MA	████	████
16	METROPOLITAN CAPITAL B&T	BANK	IL	████	████
17	BANKERS BANK	BANK	WI	████	████
18	FIRST ENTERPRISE BANK	BANK	OK	████	████
19	MRV BANKS	BANK	MO	████	████
20	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████
21	MARION BANK&TRUST CO	BANK	AL	████	████
22	AMALGAMATED BANK OF CHICAGO	BANK	IL	████	████
23	GLENWOOD STATE BANK	BANK	IA	████	████
24	HAMLER STATE BANK	BANK	OH	████	████
25	PEOPLEFIRST BANK	BANK	IL	████	████
26	STATE BANK OF TEXAS	BANK	TX	████	████
27	1ST BANK OF SEA ISLE CITY	BANK	NJ	████	████
28	MCGEHEE BANK	BANK	AR	████	████
29	BCB COMMUNITY BANK	BANK	NJ	████	████
30	FIRST B&T CO OF ILLINOIS	BANK	IL	████	████
31	UNITED TRUST BANK	BANK	IL	████	████
32	FIRST US BANK	BANK	AL	████	████
33	GRAND RAPIDS STATE BANK	BANK	MN	████	████
34	BANK OF FRANKEWING	BANK	TN	████	████
35	STERLING FEDERAL BANK FSB	BANK	IL	████	████
36	COMMUNITY NB OF OKARCHE	BANK	OK	████	████
37	PEOPLES TRUST&SAVINGS BANK	BANK	IN	████	████
38	FIRST FS&LA OF PORT ANGELES	BANK	WA	████	████
39	CEDAR SECURITY BANK	BANK	NE	████	████
40	FIDELITY COOP BANK	BANK	MA	████	████
41	UNISON BANK	BANK	ND	████	████
42	ALL AMERICA BANK	BANK	OK	████	████
43	HENDRICKS COUNTY B&T CO	BANK	IN	████	████
44	MODERN BANK NATIONAL ASSN	BANK	NY	████	████
45	YOAKUM NATIONAL BANK	BANK	TX	████	████
46	MURPHY-WALL STATE B&T CO	BANK	IL	████	████
47	WASHINGTON TR CO OF WESTERLY	BANK	RI	████	████
48	SEILING STATE BANK	BANK	OK	████	████
49	FIRST CENTRAL SAVINGS BANK	BANK	NY	████	████
50	STAR BANK	BANK	MN	████	████

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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