In Q1 2026, 50 institutions reported charge-offs in Construction — 1-4 family, with QUAINT OAK BANK (PA) showing the steepest trend at +5.5 per quarter, followed by HIBERNIA BANK (LA) at +1.6 and AMERICAN ST B&T CO WILLISTON (ND) at +1.5.

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	+5.5
2	HIBERNIA BANK	BANK	LA	+1.6
3	AMERICAN ST B&T CO WILLISTON	BANK	ND	+1.5
4	MUTUALONE BANK	BANK	MA	+1.2
5	LITTLE HORN STATE BANK	BANK	MT	+1.0
6	FOWLER STATE BANK	BANK	CO	+0.9
7	IDABEL NATIONAL BANK	BANK	OK	+0.9
8	HERITAGE BANK&TRUST	BANK	TN	+0.9
9	SOUTHERNTRUST BANK	BANK	IL	+0.8
10	JEWETT CITY SAVINGS BANK	BANK	CT	+0.8
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	OKLAHOMA HERITAGE BANK	BANK	OK	████	████
12	AMERICAN NATION BANK	BANK	OK	████	████
13	BANK OF CLOVIS	BANK	NM	████	████
14	PRIME SECURITY BANK	BANK	MN	████	████
15	BANKIOWA	BANK	IA	████	████
16	TRINITY CAPITAL BANK OF TX	BANK	TX	████	████
17	FIRST EXCHANGE BANK	BANK	WV	████	████
18	FREMONT BANK	BANK	CA	████	████
19	LEIGHTON STATE BANK	BANK	IA	████	████
20	FIRST BANK OF ALABAMA	BANK	AL	████	████
21	R BANK	BANK	TX	████	████
22	CRYSTAL LAKE B&T CO NA	BANK	IL	████	████
23	WASHINGTON STATE BANK	BANK	IA	████	████
24	BANK OF EUFAULA	BANK	OK	████	████
25	BANK OF FRANKEWING	BANK	TN	████	████
26	CITIZENS BANK&TRUST CO	BANK	LA	████	████
27	HARMONY BANK	BANK	TX	████	████
28	CITIZENS PROGRESSIVE BANK	BANK	LA	████	████
29	AMERICAN STATE BANK	BANK	IA	████	████
30	ADRIAN BANK	BANK	MO	████	████
31	PATRIOT BANK	BANK	TN	████	████
32	VIKING BANK NATIONAL ASSN	BANK	MN	████	████
33	MINERS STATE BANK	BANK	MI	████	████
34	PRIMEBANK	BANK	IA	████	████
35	SECURITY STB OF OKLAHOMA	BANK	OK	████	████
36	CLEAR LAKE BANK&TRUST CO	BANK	IA	████	████
37	FM BANK&TRUST	BANK	AR	████	████
38	PEOPLES BANK OF KENTUCKY INC	BANK	KY	████	████
39	FIRST PRYORITY BANK	BANK	OK	████	████
40	FIRST STATE BANK	BANK	MI	████	████
41	CITIZENS BANK OF CHARLESTON	BANK	MO	████	████
42	SECURITY FIRST BANK	BANK	NE	████	████
43	FIRST STB OF DEKALB COUNTY	BANK	AL	████	████
44	CITIZENS&NORTHERN BANK	BANK	PA	████	████
45	SIMMESPORT STATE BANK	BANK	LA	████	████
46	RELIANCE STATE BANK	BANK	IA	████	████
47	OCEANFIRST BANK NA	BANK	NJ	████	████
48	EAGLEBANK	BANK	MD	████	████
49	BANK OF ROMNEY	BANK	WV	████	████
50	PLAINS COMMERCE BANK	BANK	SD	████	████

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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