In Q1 2026, CRE — owner-occupied charge-offs were tracked across 50 institutions. SAVINGS BANK in MA led velocity gains at +2.1 per quarter, followed by SOUTH CENTRAL STATE BANK in NE at +1.4.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	SAVINGS BANK	BANK	MA	+2.1
2	SOUTH CENTRAL STATE BANK	BANK	NE	+1.4
3	PEOPLES BANK	BANK	KS	+1.1
4	UNITY BANK	BANK	WI	+0.7
5	SPRING VALLEY CITY BANK	BANK	IL	+0.6
6	FIRST NATIONAL BANK&TRUST	BANK	AL	+0.5
7	FIRST FED BANK	BANK	WA	+0.5
8	COMMERCIAL STATE BANK	BANK	TX	+0.4
9	FARMERS STATE BANK	BANK	IL	+0.4
10	CLINTON SAVINGS BANK	BANK	MA	+0.4
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	PENNSVILLE NATIONAL BANK	BANK	NJ	████	████
12	CITIZENS FIRST BANK	BANK	IA	████	████
13	SMALL BUSINESS BANK	BANK	KS	████	████
14	SNB BANK NATIONAL ASSN	BANK	OK	████	████
15	AMERICAN BANK&TRUST CO	BANK	OK	████	████
16	PEOPLES SAVINGS BANK	BANK	IA	████	████
17	CENTURY BANK OF THE OZARKS	BANK	MO	████	████
18	FIRST NB OF EASTERN ARKANSAS	BANK	AR	████	████
19	BCB COMMUNITY BANK	BANK	NJ	████	████
20	HORIZON BANK	BANK	NE	████	████
21	COMMUNITY BANK	BANK	OK	████	████
22	STATE BANK OF PEARL CITY	BANK	IL	████	████
23	BANK OF PRINCETON	BANK	NJ	████	████
24	FNB COMMUNITY BANK	BANK	OK	████	████
25	PEOPLES STATE BANK OF VELVA	BANK	ND	████	████
26	FAIRFIELD NATIONAL BANK	BANK	IL	████	████
27	COMMERCIAL BANK	BANK	NE	████	████
28	DRAKE BANK	BANK	MN	████	████
29	FIRST NATIONAL BANK	BANK	SD	████	████
30	ARROW BANK NATIONAL ASSN	BANK	NY	████	████
31	MIDLAND STATES BANK	BANK	IL	████	████
32	SMBC MANUBANK	BANK	CA	████	████
33	COMMERCIAL BANK	BANK	KY	████	████
34	BRENTWOOD BANK	BANK	PA	████	████
35	EAGLEBANK	BANK	MD	████	████
36	FIRST CENTRAL BANK	BANK	NE	████	████
37	TWIN CITY BANK	BANK	WA	████	████
38	IOWA STATE BANK	BANK	IA	████	████
39	FIRST NATIONAL CMTY BANK	BANK	GA	████	████
40	SOUTH GEORGIA BANKING CO	BANK	GA	████	████
41	MERCHANTS&CITIZENS BANK	BANK	GA	████	████
42	SEILING STATE BANK	BANK	OK	████	████
43	WOODSFIELD SAVINGS BANK	BANK	OH	████	████
44	FIRST STATE BANK OF BIGFORK	BANK	MN	████	████
45	AMERISTATE BANK	BANK	OK	████	████
46	PILOT GROVE SAVINGS BANK	BANK	IA	████	████
47	VERGAS STATE BANK	BANK	MN	████	████
48	COULEE BANK	BANK	WI	████	████
49	AMERICAN ST B&T CO WILLISTON	BANK	ND	████	████
50	APEX BANK	BANK	TN	████	████

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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