Banks with the steepest multi-quarter rise in Construction — other charge-offs
Banks whose category-specific charge-off rate is rising fastest over the trailing two years, measured by linear-regression slope of the year-to-date charge-off ratio. Acceleration in charge-offs is a leading indicator of credit-portfolio deterioration that typically precedes nonperforming-loan ratio spikes by one to three quarters.
| Rank | Institution | Source | State | Charge-Off Trend | Trend | |
|---|---|---|---|---|---|---|
| 1 | MONTEREY COUNTY BANK | BANK | CA | +58.6 | ||
| 2 | SECURITY STATE BANK | BANK | TX | +36.9 | ||
| 3 | PENNIAN BANK | BANK | PA | +6.0 | ||
| 4 | FIRST CENTRAL BANK | BANK | NE | +5.6 | ||
| 5 | FIRST CENTRAL BANK MCCOOK | BANK | NE | +4.9 | ||
| 6 | AVIDIA BANK | BANK | MA | +3.9 | ||
| 7 | FIRST NATIONAL BANK | BANK | SD | +2.2 | ||
| 8 | CITIZENS BANK&TRUST CO | BANK | TN | +1.7 | ||
| 9 | INTERNATIONAL BK OF COM | BANK | OK | +1.7 | ||
| 10 | BANKNORTH | BANK | ND | +1.5 | ||
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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).