In Q2 2026, the CRE — owner-occupied category included 34 institutions tracked for charge-off velocity. SOUTH CENTRAL STATE BANK in NE led with a charge-off rate of 17.5%, rising +2.4 per quarter, while SAVINGS BANK in MA and FIRST STATE BANK in TX showed slower upward trends.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	Charge-Off Trend
1	SOUTH CENTRAL STATE BANK	BANK	NE	+2.4
2	SAVINGS BANK	BANK	MA	+1.1
3	FIRST STATE BANK	BANK	TX	+0.6
4	HORIZON BANK	BANK	NE	+0.5
5	SIGNATURE BANK	BANK	IL	+0.5
6	UNITY BANK	BANK	WI	+0.4
7	FAIRFIELD NATIONAL BANK	BANK	IL	+0.3
8	SMBC MANUBANK	BANK	CA	+0.3
9	BANK OF WESTERN OKLAHOMA	BANK	OK	+0.3
10	BRENTWOOD BANK	BANK	PA	+0.3
24 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

See 24 more →

Rank	Institution	Source	State	Charge-Off Trend	Trend
11	COMMERCIAL STATE BANK	BANK	TX	████	████
12	ELKHORN VALLEY BANK&TRUST	BANK	NE	████	████
13	CLINTON SAVINGS BANK	BANK	MA	████	████
14	FIRST NATIONAL BANK&TRUST	BANK	AL	████	████
15	INDUSTRIAL BANK	BANK	DC	████	████
16	GENERATIONS BANK	BANK	AR	████	████
17	CENTURY BANK OF THE OZARKS	BANK	MO	████	████
18	AMERICAN BANK&TRUST CO	BANK	OK	████	████
19	STATE BANK OF PEARL CITY	BANK	IL	████	████
20	SNB BANK NATIONAL ASSN	BANK	OK	████	████
21	PENNSVILLE NATIONAL BANK	BANK	NJ	████	████
22	BAY PORT STATE BANK	BANK	MI	████	████
23	TEXAS NB OF JACKSONVILLE	BANK	TX	████	████
24	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████
25	FIRST NB OF EASTERN ARKANSAS	BANK	AR	████	████
26	BCB COMMUNITY BANK	BANK	NJ	████	████
27	WATERMAN BANK	BANK	IL	████	████
28	TRAILWEST BANK	BANK	MT	████	████
29	BANK OF ODESSA	BANK	MO	████	████
30	SECURITY STB OF HIBBING	BANK	MN	████	████
31	DRAKE BANK	BANK	MN	████	████
32	FINWISE BANK	BANK	UT	████	████
33	APEX BANK	BANK	TN	████	████
34	CITIZENS FIRST 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.

Learn more about CO Velocity →