In Q2 2026, 44 institutions reported charge-offs in Construction — 1-4 family, with QUAINT OAK BANK (PA) showing the steepest quarterly acceleration at +5.2. MUTUALONE BANK (MA) held the highest charge-off rate at 16.1%, while SOUTHERNTRUST BANK (IL) reported 7.6% with +1.0 quarterly growth.

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	+5.2
2	MUTUALONE BANK	BANK	MA	+2.0
3	SOUTHERNTRUST BANK	BANK	IL	+1.0
4	HIBERNIA BANK	BANK	LA	+0.8
5	AMERICAN ST B&T CO WILLISTON	BANK	ND	+0.8
6	CITY NB&T CO OF LAWTON OK	BANK	OK	+0.7
7	PRIME SECURITY BANK	BANK	MN	+0.7
8	SHELBY SAVINGS BANK SSB	BANK	TX	+0.7
9	FOWLER STATE BANK	BANK	CO	+0.6
10	SPIRITBANK	BANK	OK	+0.5
34 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	MAGYAR BANK	BANK	NJ	████	████
12	EAGLEBANK	BANK	MD	████	████
13	CRYSTAL LAKE B&T CO NA	BANK	IL	████	████
14	BEDFORD LOAN&DEPOSIT BANK	BANK	KY	████	████
15	AMERICAN NATION BANK	BANK	OK	████	████
16	LITTLE HORN STATE BANK	BANK	MT	████	████
17	ADRIAN BANK	BANK	MO	████	████
18	BANK OF CADIZ&TRUST CO	BANK	KY	████	████
19	BANKIOWA	BANK	IA	████	████
20	GILMER NB GILMER TEXAS	BANK	TX	████	████
21	PEOPLES BANK OF KENTUCKY INC	BANK	KY	████	████
22	R BANK	BANK	TX	████	████
23	FIRST NATIONAL BANK TEXAS	BANK	TX	████	████
24	DIETERICH BANK	BANK	IL	████	████
25	CITIZENS STATE BANK	BANK	IA	████	████
26	PINNACLE BANK	BANK	IA	████	████
27	LEIGHTON STATE BANK	BANK	IA	████	████
28	FIRST BANK OF ALABAMA	BANK	AL	████	████
29	FREMONT BANK	BANK	CA	████	████
30	LAKE ELMO BANK	BANK	MN	████	████
31	SECURITY FIRST BANK	BANK	NE	████	████
32	WASHINGTON STATE BANK	BANK	IA	████	████
33	SOUTHPOINT BANK	BANK	AL	████	████
34	JEWETT CITY SAVINGS BANK	BANK	CT	████	████
35	BANK OF LOUISIANA	BANK	LA	████	████
36	FIRST ARKANSAS BANK&TRUST	BANK	AR	████	████
37	AMERICAN STATE BANK	BANK	IA	████	████
38	PATRIOT BANK	BANK	TN	████	████
39	CITIZENS BANK&TRUST CO	BANK	LA	████	████
40	CITIZENS PROGRESSIVE BANK	BANK	LA	████	████
41	STONE BANK	BANK	AR	████	████
42	VIKING BANK NATIONAL ASSN	BANK	MN	████	████
43	CITIZENS BANK OF COCHRAN	BANK	GA	████	████
44	SECURITY STB OF OKLAHOMA	BANK	OK	████	████

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.

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