In Q1 2026, 50 Consumer lenders reported charge-off velocity data. MIDDLESEX FEDERAL SAVINGS FA in MA posted the steepest quarterly rise at +80.2, while EMIGRANT BANK in FL held the highest current charge-off rate at 24.1%.

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	+80.2
2	HIBERNIA BANK	BANK	LA	+12.8
3	EMIGRANT BANK	BANK	FL	+12.3
4	BANKWELL BANK	BANK	CT	+7.5
5	EASTERN NATIONAL BANK	BANK	FL	+6.5
6	MIDDLETOWN VALLEY BANK	BANK	MD	+6.4
7	TBO BANK	BANK	MO	+5.7
8	CRESCENT BANK	BANK	LA	+4.8
9	WELLS FARGO BANK S CNTL NA	BANK	TX	+4.6
10	HARTSBURG STATE BANK	BANK	IL	+3.0
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	JEFFERSON BANK	BANK	MS	████	████
12	OUTDOOR BANK	BANK	KS	████	████
13	GBANK	BANK	NV	████	████
14	LINDELL BANK&TRUST CO	BANK	MO	████	████
15	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████
16	FIRST FEDERAL BANK A FSB	BANK	AL	████	████
17	SQUARE FINL SERVICES INC	BANK	UT	████	████
18	UNITED SECURITY BANK	BANK	CA	████	████
19	UNITED FIDELITY BANK FSB	BANK	IN	████	████
20	LINCOLN SAVINGS BANK	BANK	IA	████	████
21	I3 BANK	BANK	NE	████	████
22	FULTON SAVINGS BANK	BANK	NY	████	████
23	BANK OF LOUISIANA	BANK	LA	████	████
24	FMS BANK	BANK	CO	████	████
25	CARVER STATE BANK	BANK	GA	████	████
26	INTEGRITY BANK PLUS	BANK	MN	████	████
27	ARTISANS BANK	BANK	DE	████	████
28	PATHWARD NATIONAL ASSN	BANK	SD	████	████
29	CALIFORNIA BK OF COM NA	BANK	CA	████	████
30	WINDSOR FEDERAL BANK	BANK	CT	████	████
31	FIRST SECURITY BANK WEST	BANK	ND	████	████
32	SMBC MANUBANK	BANK	CA	████	████
33	CAMBRIDGE SAVINGS BANK	BANK	MA	████	████
34	WEST POINTE BANK	BANK	WI	████	████
35	CHESTERFIELD STATE BANK	BANK	IL	████	████
36	LAMONT BANK OF ST JOHN	BANK	WA	████	████
37	METHOD BANK	BANK	OK	████	████
38	FEDERAL SAVINGS BANK	BANK	IL	████	████
39	SILVER LAKE BANK	BANK	KS	████	████
40	BANK OF ANGUILLA	BANK	MS	████	████
41	HARLEYSVILLE BANK	BANK	PA	████	████
42	SPRING BANK	BANK	NY	████	████
43	BCORP BANK NATIONAL ASSN	BANK	SD	████	████
44	SAINTE MARIE STATE BANK	BANK	IL	████	████
45	MONET BANK	BANK	TX	████	████
46	COMMUNITY FSB	BANK	NY	████	████
47	NEW HORIZON BANK NA	BANK	VA	████	████
48	FIRST FEDERAL BANK&TRUST	BANK	WY	████	████
49	BANK OF BOURBONNAIS	BANK	IL	████	████
50	VENTURA NATIONAL BANK&TRUST	BANK	KS	████	████

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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