In Q4 2025, 50 institutions reported consumer charge-off velocity metrics. MIDDLESEX FEDERAL SAVINGS FA in MA led at 1000.0%, rising +146.0 per quarter, followed by HIBERNIA BANK in LA at 201.7% and EMIGRANT BANK in FL at 109.9%.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	MIDDLESEX FEDERAL SAVINGS FA	BANK	MA	+146.0
2	HIBERNIA BANK	BANK	LA	+18.9
3	EMIGRANT BANK	BANK	FL	+18.0
4	INDUSTRIAL BANK	BANK	DC	+13.3
5	EASTERN NATIONAL BANK	BANK	FL	+12.4
6	BANK OF ORRICK	BANK	MO	+7.7
7	GREEN DOT BK DBA BONNEVILLE	BANK	UT	+5.2
8	BANKWELL BANK	BANK	CT	+5.2
9	JEFFERSON BANK	BANK	MS	+5.1
10	PEOPLES STATE BANK	BANK	KS	+4.5
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	MARQUETTE BANK	BANK	IL	████	████
12	METABANK NATIONAL ASSN	BANK	SD	████	████
13	HARLEYSVILLE BANK	BANK	PA	████	████
14	BANK OF BENNINGTON	BANK	NE	████	████
15	WINDSOR FS&LA	BANK	CT	████	████
16	UNITED SECURITY BANK	BANK	CA	████	████
17	BANK OF LOUISIANA	BANK	LA	████	████
18	FIRST FEDERAL BANK A FSB	BANK	AL	████	████
19	LINCOLN SAVINGS BANK	BANK	IA	████	████
20	LINDELL BANK&TRUST CO	BANK	MO	████	████
21	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████
22	CALIFORNIA FIRST NB	BANK	CA	████	████
23	ARTISANS BANK	BANK	DE	████	████
24	FEDERAL SAVINGS BANK	BANK	IL	████	████
25	CAPITAL COMMUNITY BANK	BANK	UT	████	████
26	BRYANT STATE BANK	BANK	SD	████	████
27	CIBM BANK	BANK	IL	████	████
28	FIRST FEDERAL BANK&TRUST	BANK	WY	████	████
29	FIRST NATIONAL BANK	BANK	SD	████	████
30	BANK OF SOUTHERN CA N A	BANK	CA	████	████
31	INTEGRITY BANK PLUS	BANK	MN	████	████
32	HARBOR BANK OF MARYLAND	BANK	MD	████	████
33	FULTON SAVINGS BANK	BANK	NY	████	████
34	VARO BANK NATIONAL ASSN	BANK	UT	████	████
35	OPTIMUMBANK	BANK	FL	████	████
36	MANUFACTURERS BANK	BANK	CA	████	████
37	SUGAR RIVER BANK	BANK	NH	████	████
38	BANK OF BOURBONNAIS	BANK	IL	████	████
39	FIRST NATIONAL BANK	BANK	SD	████	████
40	HERITAGE BANK NATIONAL ASSN	BANK	MN	████	████
41	WEST POINTE BANK	BANK	WI	████	████
42	BEAL BANK	BANK	TX	████	████
43	CAMBRIDGE SAVINGS BANK	BANK	MA	████	████
44	SPRING BANK	BANK	NY	████	████
45	PRIMIS BANK	BANK	VA	████	████
46	PATRIOT BANK NATIONAL ASSN	BANK	CT	████	████
47	FIRST SAVINGS BANK	BANK	SD	████	████
48	FIRST SECURITY BANK WEST	BANK	ND	████	████
49	COMMUNITY FSB	BANK	NY	████	████
50	BANK OF ANGUILLA	BANK	MS	████	████

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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