In Q1 2026, 36 institutions reported Multifamily charge-offs. FARMERS&MERCHANTS STATE BANK in ND led with 21.6% of loans charged off, rising +3.6 per quarter. INTERSTATE BANK in TX and BANK OF HOLLY SPRINGS in MS each showed +1.5 and +1.3 quarterly pace increases, respectively.

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	+3.6
2	INTERSTATE BANK	BANK	TX	+1.5
3	BANK OF HOLLY SPRINGS	BANK	MS	+1.3
4	UBS BANK USA NATIONAL ASSN	BANK	UT	+1.0
5	AMERICAN STATE BANK	BANK	TX	+0.9
6	FIRST GUARANTY BANK	BANK	LA	+0.7
7	BANK OF CLARKE	BANK	VA	+0.6
8	KERNDT BROTHERS SAVINGS BANK	BANK	IA	+0.6
9	RELIANCE SAVINGS BANK	BANK	PA	+0.5
10	ALL AMERICA BANK	BANK	OK	+0.5
26 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	COUNTY NATIONAL BANK	BANK	MI	████	████
12	FIRST EXCHANGE BANK	BANK	WV	████	████
13	CITIZENS STB OF ROSEAU	BANK	MN	████	████
14	BROADSTREET BANK SSB	BANK	TX	████	████
15	BANK OF ODESSA	BANK	MO	████	████
16	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████
17	MERCHANTS BANK OF INDIANA	BANK	IN	████	████
18	TXN BANK	BANK	TX	████	████
19	EAGLEBANK	BANK	MD	████	████
20	FIRST CENTRAL SAVINGS BANK	BANK	NY	████	████
21	COTTONPORT BANK	BANK	LA	████	████
22	PENNIAN BANK	BANK	PA	████	████
23	PEOPLES NB OF KEWANEE	BANK	IL	████	████
24	CITIZENS STATE BANK	BANK	MI	████	████
25	TIB NATIONAL ASSN	BANK	TX	████	████
26	SMBC MANUBANK	BANK	CA	████	████
27	CITIZENS BANK MINNESOTA	BANK	MN	████	████
28	FINANCIAL FEDERAL BANK	BANK	TN	████	████
29	ESQUIRE BANK NATIONAL ASSN	BANK	NY	████	████
30	MIDWEST BANKCENTRE	BANK	MO	████	████
31	UNITY BANK	BANK	WI	████	████
32	FIRST CMTY BANK OF CNTL AL	BANK	AL	████	████
33	REGENT BANK	BANK	OK	████	████
34	MIDLAND STATES BANK	BANK	IL	████	████
35	FRANKLIN SAVINGS BANK	BANK	ME	████	████
36	NORTHWEST BANK	BANK	PA	████	████

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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