In Q2 2026, the CRE — non-owner-occupied charge-off rate among 50 tracked institutions showed wide dispersion. FAIRMOUNT STATE BANK (IN) led with a 55.8% rate and the steepest quarterly trend at +27.6, while QUOIN FINANCIAL BANK (SD) remained at 0.0% despite a +9.9 slope.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	FAIRMOUNT STATE BANK	BANK	IN	+27.6
2	QUOIN FINANCIAL BANK	BANK	SD	+9.9
3	WILSON STATE BANK	BANK	KS	+3.7
4	SNB BANK NATIONAL ASSN	BANK	OK	+3.0
5	BANK OF GUEYDAN	BANK	LA	+1.9
6	PARK BANK NATIONAL ASSN	BANK	WI	+1.7
7	EAGLE BANK	BANK	MN	+1.4
8	FARMERS&MERCHANTS BANK	BANK	OK	+1.3
9	CITIZENS INDEPENDENT BANK	BANK	MN	+0.8
10	GOPPERT STATE SERVICE BANK	BANK	KS	+0.8
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	MUTUALONE BANK	BANK	MA	████	████
12	COMMUNITY STB OF CANTON	BANK	OK	████	████
13	VILLAGE BANK	BANK	MN	████	████
14	CITIZENS STATE BANK	BANK	TX	████	████
15	EATON COMMUNITY BANK	BANK	MI	████	████
16	SIGNATURE BANK	BANK	IL	████	████
17	UTAH INDEPENDENT BANK	BANK	UT	████	████
18	NSB BANK	BANK	IA	████	████
19	FIRST FEDERAL BANK OF OHIO	BANK	OH	████	████
20	FINWISE BANK	BANK	UT	████	████
21	FIDELITY COOP BANK	BANK	MA	████	████
22	SMBC MANUBANK	BANK	CA	████	████
23	CULLMAN SAVINGS BANK	BANK	AL	████	████
24	FARMERS STATE BANK	BANK	IA	████	████
25	EAGLEBANK	BANK	MD	████	████
26	ATASCOSA BANK	BANK	TX	████	████
27	STOCK EXCHANGE BANK	BANK	OK	████	████
28	STATE BANK	BANK	IA	████	████
29	PIERMONT BANK	BANK	NY	████	████
30	NORTHEAST SECURITY BANK	BANK	IA	████	████
31	FNB SOUTH	BANK	GA	████	████
32	COULEE BANK	BANK	WI	████	████
33	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████
34	BURLING BANK	BANK	IL	████	████
35	FIRST STB OF LE CENTER	BANK	MN	████	████
36	DAVIS TRUST CO	BANK	WV	████	████
37	CENTRAL BANK	BANK	AR	████	████
38	CITIZENS&NORTHERN BANK	BANK	PA	████	████
39	FIRST NATIONAL BANK OF HOPE	BANK	KS	████	████
40	KEY COMMUNITY BANK	BANK	MN	████	████
41	UNION BANK&TRUST CO	BANK	MN	████	████
42	MILLENNIUM BANK	BANK	TN	████	████
43	WASHINGTON STATE BANK	BANK	LA	████	████
44	FIRST ENTERPRISE BANK	BANK	OK	████	████
45	MERCHANTS BANK OF INDIANA	BANK	IN	████	████
46	ALTOONA FIRST SAVINGS BANK	BANK	PA	████	████
47	COMMERCIAL STATE BANK	BANK	TX	████	████
48	FIRST NB OF BAGLEY	BANK	MN	████	████
49	FIRST NATIONAL BANK CORTEZ	BANK	CO	████	████
50	PEOPLES SAVINGS BANK	BANK	IA	████	████

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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