In Q4 2025, 50 banks reported charge-offs in Construction — 1-4 family. QUAINT OAK BANK (PA) led velocity at +3.9 per quarter, followed by HIBERNIA BANK (LA) at +2.4 and AMERICAN ST B&T CO WILLISTON (ND) at +2.3.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	QUAINT OAK BANK	BANK	PA	+3.9
2	HIBERNIA BANK	BANK	LA	+2.4
3	AMERICAN ST B&T CO WILLISTON	BANK	ND	+2.3
4	IDABEL NATIONAL BANK	BANK	OK	+2.0
5	HERITAGE BANK&TRUST	BANK	TN	+1.8
6	LITTLE HORN STATE BANK	BANK	MT	+1.7
7	JEWETT CITY SAVINGS BANK	BANK	CT	+1.5
8	OKLAHOMA HERITAGE BANK	BANK	OK	+1.5
9	FOWLER STATE BANK	BANK	CO	+1.3
10	BANK OF CLOVIS	BANK	NM	+1.2
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 NATION BANK	BANK	OK	████	████
12	FIRST EXCHANGE BANK	BANK	WV	████	████
13	ENNIS STATE BANK	BANK	TX	████	████
14	PRIMEBANK	BANK	IA	████	████
15	BANKIOWA	BANK	IA	████	████
16	BANK OF EUFAULA	BANK	OK	████	████
17	FREMONT BANK	BANK	CA	████	████
18	SOUTHERNTRUST BANK	BANK	IL	████	████
19	MUTUALONE BANK	BANK	MA	████	████
20	LEIGHTON STATE BANK	BANK	IA	████	████
21	FIRST BANK OF ALABAMA	BANK	AL	████	████
22	BANK OF FRANKEWING	BANK	TN	████	████
23	TEXAS BRAND BANK	BANK	TX	████	████
24	CARVER STATE BANK	BANK	GA	████	████
25	FARMERS BANK&TRUST CO	BANK	AR	████	████
26	WASHINGTON STATE BANK	BANK	IA	████	████
27	CITIZENS BANK&TRUST CO	BANK	LA	████	████
28	R BANK	BANK	TX	████	████
29	MINERS STATE BANK	BANK	MI	████	████
30	CITIZENS PROGRESSIVE BANK	BANK	LA	████	████
31	FIRST STATE BANK	BANK	MI	████	████
32	CLEAR LAKE BANK&TRUST CO	BANK	IA	████	████
33	AMERICAN STATE BANK	BANK	IA	████	████
34	PATRIOT BANK	BANK	TN	████	████
35	VISION BANK NATIONAL ASSN	BANK	OK	████	████
36	VIKING BANK NATIONAL ASSN	BANK	MN	████	████
37	FIRST PRYORITY BANK	BANK	OK	████	████
38	SECURITY STB OF OKLAHOMA	BANK	OK	████	████
39	CITIZENS BANK OF CHARLESTON	BANK	MO	████	████
40	RELIANCE STATE BANK	BANK	IA	████	████
41	CITIZENS&NORTHERN BANK	BANK	PA	████	████
42	FIRST STB OF DEKALB COUNTY	BANK	AL	████	████
43	SIMMESPORT STATE BANK	BANK	LA	████	████
44	OCEANFIRST BANK NA	BANK	NJ	████	████
45	IOWA ST B&T CO FAIRFLD IA	BANK	IA	████	████
46	PLAINS COMMERCE BANK	BANK	SD	████	████
47	EAGLEBANK	BANK	MD	████	████
48	UNION BANK&TRUST CO	BANK	TN	████	████
49	CECILIAN BANK	BANK	KY	████	████
50	PNC BANK NATIONAL ASSN	BANK	DE	████	████

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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