In Q4 2025, charge-off velocity for CRE — non-owner-occupied loans accelerated at 50 institutions tracked. QUOIN FINANCIAL BANK in SD led with charge-offs at 211.3% of outstandings, rising +30.1 per quarter. FARMERS&MERCHANTS BANK in OK and BANK OF GUEYDAN in LA posted increases of +7.4 and +3.7 respectively.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	QUOIN FINANCIAL BANK	BANK	SD	+30.1
2	FARMERS&MERCHANTS BANK	BANK	OK	+7.4
3	BANK OF GUEYDAN	BANK	LA	+3.7
4	FIRST FEDERAL BANK OF OHIO	BANK	OH	+2.9
5	FARMERS&MERCHANTS STB NY MIL	BANK	MN	+2.6
6	COMMUNITY STB OF CANTON	BANK	OK	+1.6
7	UTAH INDEPENDENT BANK	BANK	UT	+1.6
8	BURLING BANK	BANK	IL	+1.5
9	FIRST NB OF HUGHES SPRINGS	BANK	TX	+1.4
10	EAGLEBANK	BANK	MD	+1.2
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	Charge-Off Trend	Trend
11	COMMUNITY STATE BANK	BANK	OK	████	████
12	FARMERS STATE BANK	BANK	IA	████	████
13	FIRST ENTERPRISE BANK	BANK	OK	████	████
14	LENDINGCLUB BANK NA	BANK	UT	████	████
15	PEOPLES SAVINGS BANK	BANK	IA	████	████
16	STATE BANK	BANK	IA	████	████
17	BANK OF ROMNEY	BANK	WV	████	████
18	HODGE BANK&TRUST CO	BANK	LA	████	████
19	ATASCOSA BANK	BANK	TX	████	████
20	PIERMONT BANK	BANK	NY	████	████
21	FIRST NB MINNESOTA	BANK	MN	████	████
22	FNB SOUTH	BANK	GA	████	████
23	FIRST STATE BANK	BANK	TX	████	████
24	TIOGA STB NA	BANK	NY	████	████
25	UNION BANK&TRUST CO	BANK	MN	████	████
26	COULEE BANK	BANK	WI	████	████
27	UNIBANK	BANK	WA	████	████
28	FIRST NB OF BAGLEY	BANK	MN	████	████
29	FIRST STB OF LE CENTER	BANK	MN	████	████
30	FIRST STATE BANK OF FORSYTH	BANK	MT	████	████
31	ALTOONA FIRST SAVINGS BANK	BANK	PA	████	████
32	MUTUALONE BANK	BANK	MA	████	████
33	HARVEST BANK	BANK	MN	████	████
34	MRV BANKS	BANK	MO	████	████
35	SOUTHPOINT BANK	BANK	AL	████	████
36	LEGEND BANK N A	BANK	TX	████	████
37	EASTHAMPTON SAVINGS BANK	BANK	MA	████	████
38	LIBERTYVILLE SAVINGS BANK	BANK	IA	████	████
39	COMMERCIAL STB OF WAGNER	BANK	SD	████	████
40	FARMERS&MECHANICS FSB	BANK	IN	████	████
41	CITIZENS BANK OF CLOVIS	BANK	NM	████	████
42	MIDAMERICA NATIONAL BANK	BANK	IL	████	████
43	PREMIER BANK	BANK	NE	████	████
44	FIRST NATURALSTATE BANK	BANK	AR	████	████
45	NSB BANK	BANK	IA	████	████
46	PLATINUM BANK	BANK	MN	████	████
47	BENEFICIAL STATE BANK	BANK	CA	████	████
48	MIDWESTONE BANK	BANK	IA	████	████
49	CEDAR RAPIDS STATE BANK	BANK	NE	████	████
50	FIRST TRUST&SAVINGS BANK	BANK	IA	████	████

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).

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