In Q4 2025, charge-offs in CRE — owner-occupied rose across the 50 tracked institutions, with METROPOLITAN CAPITAL B&T (IL) posting the steepest acceleration at +21.9 per quarter. SAVINGS BANK (MA) and PEOPLES BANK (KS) followed with +3.2 and +2.3 quarterly increases, respectively.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	METROPOLITAN CAPITAL B&T	BANK	IL	+21.9
2	SAVINGS BANK	BANK	MA	+3.2
3	PEOPLES BANK	BANK	KS	+2.3
4	SPRING VALLEY CITY BANK	BANK	IL	+1.1
5	UNITY BANK	BANK	WI	+1.0
6	FIRST FS&LA OF PORT ANGELES	BANK	WA	+0.9
7	FARMERS STATE BANK	BANK	IL	+0.8
8	FIRST NATIONAL BANK&TRUST	BANK	AL	+0.7
9	COMMUNITY B&T WEST GEORGIA	BANK	GA	+0.7
10	COMMERCIAL STATE BANK	BANK	TX	+0.6
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	CITIZENS FIRST BANK	BANK	IA	████	████
12	CLINTON SAVINGS BANK	BANK	MA	████	████
13	PENNSVILLE NATIONAL BANK	BANK	NJ	████	████
14	PEOPLES SAVINGS BANK	BANK	IA	████	████
15	PEOPLES STATE BANK OF VELVA	BANK	ND	████	████
16	SMALL BUSINESS BANK	BANK	KS	████	████
17	SNB BANK NATIONAL ASSN	BANK	OK	████	████
18	AMERICAN BANK&TRUST CO	BANK	OK	████	████
19	FNB COMMUNITY BANK	BANK	OK	████	████
20	BANK OF PRINCETON	BANK	NJ	████	████
21	BCB COMMUNITY BANK	BANK	NJ	████	████
22	COMMUNITY BANK	BANK	OK	████	████
23	FIRST NB OF EASTERN ARKANSAS	BANK	AR	████	████
24	CENTURY BANK OF THE OZARKS	BANK	MO	████	████
25	COMMERCIAL BANK	BANK	NE	████	████
26	STATE BANK OF PEARL CITY	BANK	IL	████	████
27	GLENS FALLS NB&T CO	BANK	NY	████	████
28	FIRST NATIONAL BANK	BANK	SD	████	████
29	COMMERCIAL BANK	BANK	KY	████	████
30	CURRIE STATE BANK	BANK	MN	████	████
31	SEILING STATE BANK	BANK	OK	████	████
32	MIDLAND STATES BANK	BANK	IL	████	████
33	EAGLEBANK	BANK	MD	████	████
34	FIRST STATE BANK OF BIGFORK	BANK	MN	████	████
35	TWIN CITY BANK	BANK	WA	████	████
36	DRAKE BANK	BANK	MN	████	████
37	WOODSFIELD SAVINGS BANK	BANK	OH	████	████
38	AMERISTATE BANK	BANK	OK	████	████
39	CITIZENS STB OF WAVERLY INC	BANK	MN	████	████
40	MARIES COUNTY BANK	BANK	MO	████	████
41	FIRST CENTRAL BANK	BANK	NE	████	████
42	FIRST NATIONAL CMTY BANK	BANK	GA	████	████
43	IOWA STATE BANK	BANK	IA	████	████
44	SOUTH GEORGIA BANKING CO	BANK	GA	████	████
45	MERCHANTS&CITIZENS BANK	BANK	GA	████	████
46	PILOT GROVE SAVINGS BANK	BANK	IA	████	████
47	AMERICAN ST B&T CO WILLISTON	BANK	ND	████	████
48	COULEE BANK	BANK	WI	████	████
49	PATHFINDER BANK	BANK	NY	████	████
50	VERGAS STATE BANK	BANK	MN	████	████

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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