In Q4 2025, 47 banks reported Multifamily charge-offs, with FARMERS&MERCHANTS STATE BANK in ND leading at 29.1% of portfolio. The top three institutions each showed rising charge-off rates, gaining +5.1, +2.6, and +2.2 respectively over the trailing four quarters.

Charge-Off Velocity by Category

Sorted by Charge-Off Trend ↓

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Rank	Institution	Source	State	Charge-Off Trend
1	FARMERS&MERCHANTS STATE BANK	BANK	ND	+5.1
2	FIRST B&T CO OF MURPHYSBORO	BANK	IL	+2.6
3	BANK OF HOLLY SPRINGS	BANK	MS	+2.2
4	INTERSTATE BANK	BANK	TX	+2.0
5	UBS BANK USA	BANK	UT	+1.7
6	KERNDT BROTHERS SAVINGS BANK	BANK	IA	+1.3
7	BANK OF CLARKE COUNTY	BANK	VA	+1.1
8	FIRST GUARANTY BANK	BANK	LA	+1.1
9	ALL AMERICA BANK	BANK	OK	+1.0
10	RELIANCE SAVINGS BANK	BANK	PA	+1.0
37 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 STB OF ROSEAU	BANK	MN	████	████
12	COUNTY NATIONAL BANK	BANK	MI	████	████
13	THRIVENT BANK	BANK	UT	████	████
14	BANK OF ODESSA	BANK	MO	████	████
15	MINEOLA COMMUNITY BANK SSB	BANK	TX	████	████
16	FIRST EXCHANGE BANK	BANK	WV	████	████
17	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████
18	PEOPLES NB OF KEWANEE	BANK	IL	████	████
19	MERCHANTS BANK OF INDIANA	BANK	IN	████	████
20	HONDO NATIONAL BANK	BANK	TX	████	████
21	FIRST CENTRAL SAVINGS BANK	BANK	NY	████	████
22	COTTONPORT BANK	BANK	LA	████	████
23	PENNIAN BANK	BANK	PA	████	████
24	CITIZENS STB OF ONTONAGON	BANK	MI	████	████
25	CITIZENS BANK MINNESOTA	BANK	MN	████	████
26	EAGLEBANK	BANK	MD	████	████
27	FINANCIAL FEDERAL BANK	BANK	TN	████	████
28	MIDLAND STATES BANK	BANK	IL	████	████
29	REGENT BANK	BANK	OK	████	████
30	MIDWEST BANKCENTRE	BANK	MO	████	████
31	FIRST STATE BANK&TRUST	BANK	KS	████	████
32	NORTHWEST BANK	BANK	PA	████	████
33	FIRST CMTY BANK OF CNTL AL	BANK	AL	████	████
34	ESQUIRE BANK NATIONAL ASSN	BANK	NY	████	████
35	KEYBANK NATIONAL ASSN	BANK	OH	████	████
36	GERMAN-AMERICAN STATE BANK	BANK	IL	████	████
37	CFG COMMUNITY BANK	BANK	MD	████	████
38	VISTA BANK	BANK	TX	████	████
39	METROPOLITAN COMMERCIAL BANK	BANK	NY	████	████
40	BANK OF GUAM	BANK	GU	████	████
41	LINDELL BANK&TRUST CO	BANK	MO	████	████
42	SOUTH STB NA	BANK	FL	████	████
43	SAVANNA-THOMSON STATE BANK	BANK	IL	████	████
44	FARMERS NB OF CANFIELD	BANK	OH	████	████
45	NORTHERN BANK&TRUST CO	BANK	MA	████	████
46	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████
47	FIRST NB IN DERIDDER	BANK	LA	████	████

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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