In Q2 2026, 50 institutions reported charge-offs in Construction — other. PINNACLE BANK INC (KY) led with a charge-off ratio of 446.3%, rising +37.7 per quarter, while SECURITY STATE BANK (TX) and MONTEREY COUNTY BANK (CA) showed slower velocity at +9.9 and +8.3 respectively.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	PINNACLE BANK INC	BANK	KY	+37.7
2	SECURITY STATE BANK	BANK	TX	+9.9
3	MONTEREY COUNTY BANK	BANK	CA	+8.3
4	PENNIAN BANK	BANK	PA	+2.1
5	TOWN CENTER BANK	BANK	IL	+1.8
6	UNITY BANK OF MISSISSIPPI	BANK	MS	+0.9
7	BANK OF FRANKEWING	BANK	TN	+0.9
8	MRV BANKS	BANK	MO	+0.8
9	GREAT NORTH BANK	BANK	WI	+0.8
10	CLINTON SAVINGS BANK	BANK	MA	+0.7
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	Charge-Off Trend	Trend
11	BANKNORTH	BANK	ND	████	████
12	CITIZENS COMMUNITY BANK	BANK	IL	████	████
13	FIRST NATIONAL BANK	BANK	SD	████	████
14	SMBC MANUBANK	BANK	CA	████	████
15	FIRST CENTRAL BANK MCCOOK	BANK	NE	████	████
16	BANC OF CALIFORNIA	BANK	CA	████	████
17	IOWA STATE BANK	BANK	IA	████	████
18	TWIN CEDARS BANK	BANK	IA	████	████
19	ASCEND BANK	BANK	CT	████	████
20	ARLO BANK	BANK	MO	████	████
21	SECURITY FIRST BANK OF ND	BANK	ND	████	████
22	CONCORDE BANK	BANK	MN	████	████
23	UNITED MINNESOTA BANK	BANK	MN	████	████
24	INTERNATIONAL BK OF COM	BANK	OK	████	████
25	LEGENDS WEST BANK	BANK	NE	████	████
26	FIRST FEDERAL BANK OF LA	BANK	LA	████	████
27	FIRST OPTION BANK	BANK	KS	████	████
28	1ST SECURITY BANK OF WA	BANK	WA	████	████
29	WEST COAST COMMUNITY BANK	BANK	CA	████	████
30	NATIONAL CAPITAL BANK OF WA	BANK	DC	████	████
31	AVIDBANK	BANK	CA	████	████
32	EAGLEBANK	BANK	MD	████	████
33	UNITED REPUBLIC BANK	BANK	NE	████	████
34	MILLENNIUM BANK	BANK	TN	████	████
35	MARQUETTE SAVINGS BANK	BANK	PA	████	████
36	BANKERS BANK	BANK	WI	████	████
37	KARNES CNTY NB OF KARNES CTY	BANK	TX	████	████
38	POPPY BANK	BANK	CA	████	████
39	CAPITAL ONE NATIONAL ASSN	BANK	VA	████	████
40	SIMMESPORT STATE BANK	BANK	LA	████	████
41	FARMERS&MERCHANTS BANK	BANK	WI	████	████
42	EVERGREEN FEDERAL BANK	BANK	OR	████	████
43	ROYAL BUSINESS BANK	BANK	CA	████	████
44	BCORP BANK NATIONAL ASSN	BANK	SD	████	████
45	BANKNEWPORT	BANK	RI	████	████
46	FIRST STATE BANK&TRUST	BANK	KS	████	████
47	US METRO BANK	BANK	CA	████	████
48	FIRST FS OF MIDDLETOWN	BANK	NY	████	████
49	CORNERSTONE BANK	BANK	NE	████	████
50	AMERICAN BANK&TRUST CO	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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