In Q1 2026, 50 institutions reported CRE — non-owner-occupied charge-offs. QUOIN FINANCIAL BANK in SD showed the steepest upward trajectory at +20.0 per quarter, followed by FARMERS&MERCHANTS BANK in OK at +3.7 and BANK OF GUEYDAN in LA at +2.5.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	Charge-Off Trend
1	QUOIN FINANCIAL BANK	BANK	SD	+20.0
2	FARMERS&MERCHANTS BANK	BANK	OK	+3.7
3	BANK OF GUEYDAN	BANK	LA	+2.5
4	FIRST FEDERAL BANK OF OHIO	BANK	OH	+1.7
5	FARMERS&MERCHANTS STB NY MIL	BANK	MN	+1.3
6	COMMUNITY STB OF CANTON	BANK	OK	+1.2
7	UTAH INDEPENDENT BANK	BANK	UT	+1.1
8	BURLING BANK	BANK	IL	+0.9
9	EAGLE BANK	BANK	MN	+0.8
10	FARMERS STATE BANK	BANK	IA	+0.7
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	EAGLEBANK	BANK	MD	████	████
12	MUTUALONE BANK	BANK	MA	████	████
13	STATE BANK	BANK	IA	████	████
14	COMMUNITY STATE BANK	BANK	OK	████	████
15	FIRST ENTERPRISE BANK	BANK	OK	████	████
16	PEOPLES SAVINGS BANK	BANK	IA	████	████
17	ATASCOSA BANK	BANK	TX	████	████
18	FNB SOUTH	BANK	GA	████	████
19	LENDINGCLUB BANK NA	BANK	UT	████	████
20	CITIZENS INDEPENDENT BANK	BANK	MN	████	████
21	PIERMONT BANK	BANK	NY	████	████
22	NSB BANK	BANK	IA	████	████
23	COULEE BANK	BANK	WI	████	████
24	UNION BANK&TRUST CO	BANK	MN	████	████
25	HODGE BANK&TRUST CO	BANK	LA	████	████
26	FIRST STB OF LE CENTER	BANK	MN	████	████
27	TIOGA STB NA	BANK	NY	████	████
28	FIRST NB OF BAGLEY	BANK	MN	████	████
29	FIRST NB MINNESOTA	BANK	MN	████	████
30	BANK OF ROMNEY	BANK	WV	████	████
31	ALTOONA FIRST SAVINGS BANK	BANK	PA	████	████
32	VILLAGE BANK	BANK	MN	████	████
33	FIRST STATE BANK	BANK	TX	████	████
34	EATON COMMUNITY BANK	BANK	MI	████	████
35	HARVEST BANK	BANK	MN	████	████
36	FIRST STATE BANK OF FORSYTH	BANK	MT	████	████
37	CITIZENS STATE BANK	BANK	TX	████	████
38	MRV BANKS	BANK	MO	████	████
39	UNIBANK	BANK	WA	████	████
40	FIRST NB OF HUGHES SPRINGS	BANK	TX	████	████
41	BANKESB	BANK	MA	████	████
42	SOUTHPOINT BANK	BANK	AL	████	████
43	FARMERS&MECHANICS FSB	BANK	IN	████	████
44	STOCK EXCHANGE BANK	BANK	OK	████	████
45	COMMERCIAL STB OF WAGNER	BANK	SD	████	████
46	LIBERTYVILLE SAVINGS BANK	BANK	IA	████	████
47	CITIZENS BANK OF CLOVIS	BANK	NM	████	████
48	PREMIER BANK NATIONAL ASSN	BANK	NE	████	████
49	MIDAMERICA NATIONAL BANK	BANK	IL	████	████
50	FIRST NATURALSTATE BANK	BANK	AR	████	████

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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