In Q2 2026, 50 institutions reported Commercial & industrial charge-offs. ONE WORLD BANK in TX led with a charge-off ratio of 83.4%, rising +8.2 per quarter, followed by BANK OF ESTES PARK in CO at 71.8% and ODIN STATE BANK in MN at 36.4%.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	Charge-Off Trend
1	ONE WORLD BANK	BANK	TX	+8.2
2	BANK OF ESTES PARK	BANK	CO	+7.1
3	ODIN STATE BANK	BANK	MN	+5.0
4	NANO BANC	BANK	CA	+3.0
5	BANK OF VICI	BANK	OK	+2.3
6	STERLING FEDERAL BANK FSB	BANK	IL	+2.0
7	COMMUNITY STATE BANK	BANK	IA	+1.6
8	FARMERS STB OF TRIMONT	BANK	MN	+1.5
9	MONET BANK	BANK	TX	+1.5
10	FIRST BANK&TRUST CO	BANK	OK	+1.5
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

See 40 more →

Rank	Institution	Source	State	Charge-Off Trend	Trend
11	STATE EXCHANGE BANK	BANK	OK	████	████
12	JONESBORO STATE BANK	BANK	LA	████	████
13	SECURITY STATE BANK	BANK	SD	████	████
14	FARMERS STATE BANK	BANK	KS	████	████
15	UNION FS&LA	BANK	IL	████	████
16	FIRST ENTERPRISE BANK	BANK	OK	████	████
17	BANK OF LITTLE ROCK	BANK	AR	████	████
18	GN BANK	BANK	IL	████	████
19	FIRST SECURITY BANK	BANK	MO	████	████
20	BANK OF HOLLY SPRINGS	BANK	MS	████	████
21	GREAT NORTH BANK	BANK	WI	████	████
22	DALHART FS&LA SSB	BANK	TX	████	████
23	SOFI BANK NATIONAL ASSN	BANK	UT	████	████
24	STAR BANK	BANK	MN	████	████
25	GLENWOOD STATE BANK	BANK	IA	████	████
26	FARMERS BANK&TRUST	BANK	KS	████	████
27	COMMERCEONE BANK	BANK	AL	████	████
28	ALTAMAHA BANK&TRUST CO	BANK	GA	████	████
29	WOODTRUST BANK	BANK	WI	████	████
30	MARSEILLES BANK	BANK	IL	████	████
31	COMMUNITY BANK	BANK	IA	████	████
32	1ST BANK OF SEA ISLE CITY	BANK	NJ	████	████
33	WEBSTER FIVE CENTS SB	BANK	MA	████	████
34	AMALGAMATED BANK OF CHICAGO	BANK	IL	████	████
35	ROBERT LEE STATE BANK	BANK	TX	████	████
36	LUMINATE BANK	BANK	MN	████	████
37	SAVINGS BANK	BANK	MA	████	████
38	BANKERS BANK	BANK	WI	████	████
39	STATE BANK OF CHERRY	BANK	IL	████	████
40	BENCHMARK BANK	BANK	TX	████	████
41	PAULS VALLEY NATIONAL BANK	BANK	OK	████	████
42	MIDWEST REGIONAL BANK	BANK	MO	████	████
43	GRAND RAPIDS STATE BANK	BANK	MN	████	████
44	FIRST STATE BANK OF TEXAS	BANK	TX	████	████
45	TEXAS BANK	BANK	TX	████	████
46	HAMLER STATE BANK	BANK	OH	████	████
47	UNITED TRUST BANK	BANK	IL	████	████
48	STATE BANK	BANK	IL	████	████
49	FIRST STATE BANK	BANK	IA	████	████
50	SOUTHPOINT BANK	BANK	AL	████	████

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 →