In Q1 2026, 50 institutions reported Commercial & Industrial charge-off rates. BANK OF ESTES PARK in CO led with 97.3% and rose +6.2 per quarter, followed by STATE EXCHANGE BANK in OK at 8.4% rising +3.8 per quarter.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	BANK OF ESTES PARK	BANK	CO	+6.2
2	STATE EXCHANGE BANK	BANK	OK	+3.8
3	NANO BANC	BANK	CA	+3.5
4	MONET BANK	BANK	TX	+3.2
5	FARMERS STATE BANK	BANK	KS	+3.2
6	COMMUNITY STATE BANK	BANK	IA	+3.2
7	ODIN STATE BANK	BANK	MN	+3.0
8	BISON STATE BANK	BANK	KS	+2.8
9	SECURITY STATE BANK	BANK	SD	+2.6
10	ONE WORLD BANK	BANK	TX	+2.0
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	DALHART FS&LA SSB	BANK	TX	████	████
12	STERLING FEDERAL BANK FSB	BANK	IL	████	████
13	FIRST ENTERPRISE BANK	BANK	OK	████	████
14	LUMINATE BANK	BANK	MN	████	████
15	FIRST STATE BANK	BANK	IA	████	████
16	STATE BANK OF NAUVOO	BANK	IL	████	████
17	LAMONT BANK OF ST JOHN	BANK	WA	████	████
18	GLENWOOD STATE BANK	BANK	IA	████	████
19	BANKERS BANK	BANK	WI	████	████
20	SAVINGS BANK	BANK	MA	████	████
21	STATE NATIONAL BANK	BANK	TX	████	████
22	AMALGAMATED BANK OF CHICAGO	BANK	IL	████	████
23	MARION COMMUNITY BANK	BANK	AL	████	████
24	1ST BANK OF SEA ISLE CITY	BANK	NJ	████	████
25	HAMLER STATE BANK	BANK	OH	████	████
26	MRV BANKS	BANK	MO	████	████
27	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████
28	FIRST BANK&TRUST CO	BANK	OK	████	████
29	UNITED TRUST BANK	BANK	IL	████	████
30	STATE BANK OF TEXAS	BANK	TX	████	████
31	GRAND RAPIDS STATE BANK	BANK	MN	████	████
32	FARMERS STB OF TRIMONT	BANK	MN	████	████
33	STAR BANK	BANK	MN	████	████
34	BCB COMMUNITY BANK	BANK	NJ	████	████
35	BANK OF FRANKEWING	BANK	TN	████	████
36	FIRST US BANK	BANK	AL	████	████
37	PEOPLES TRUST&SAVINGS BANK	BANK	IN	████	████
38	FIDELITY COOP BANK	BANK	MA	████	████
39	PEOPLEFIRST BANK	BANK	IL	████	████
40	FIRST NATIONAL BANK CORTEZ	BANK	CO	████	████
41	PRODUCERS BANK&TRUST	BANK	AR	████	████
42	MURPHY-WALL STATE B&T CO	BANK	IL	████	████
43	YOAKUM BANK	BANK	TX	████	████
44	CEDAR SECURITY BANK	BANK	NE	████	████
45	SEILING STATE BANK	BANK	OK	████	████
46	FIRST SECURITY BANK	BANK	MO	████	████
47	GN BANK	BANK	IL	████	████
48	WASHINGTON TR CO OF WESTERLY	BANK	RI	████	████
49	BRIGHTON BANK	BANK	UT	████	████
50	ROBERT LEE STATE BANK	BANK	TX	████	████

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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