Multifamily charge-off rates rose across 28 institutions in Q2 2026, with FIRST STB OF SWANVILLE in MN posting the highest rate at 15.7% and an acceleration of +1.3 per quarter. AMERICAN STATE BANK in TX followed at 6.6%, also accelerating at +1.2 per quarter.

Charge-Off Velocity by Category

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Rank	Institution	Source	State	Charge-Off Trend
1	FIRST STB OF SWANVILLE	BANK	MN	+1.3
2	AMERICAN STATE BANK	BANK	TX	+1.2
3	INTERSTATE BANK	BANK	TX	+0.9
4	BANK OF CLARKE	BANK	VA	+0.6
5	METROPOLITAN COMMERCIAL BANK	BANK	NY	+0.4
6	FIRST GUARANTY BANK	BANK	LA	+0.4
7	EAGLEBANK	BANK	MD	+0.4
8	COUNTY NATIONAL BANK	BANK	MI	+0.4
9	UBS BANK USA NATIONAL ASSN	BANK	UT	+0.3
10	SMBC MANUBANK	BANK	CA	+0.3
18 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	BANK OF HOLLY SPRINGS	BANK	MS	████	████
12	FIRST EXCHANGE BANK	BANK	WV	████	████
13	TIB NATIONAL ASSN	BANK	TX	████	████
14	UNITY BANK	BANK	WI	████	████
15	MIDLAND STATES BANK	BANK	IL	████	████
16	BROADSTREET BANK SSB	BANK	TX	████	████
17	MIDWEST BANKCENTRE	BANK	MO	████	████
18	MERCHANTS BANK OF INDIANA	BANK	IN	████	████
19	BANK OF ODESSA	BANK	MO	████	████
20	SUMMIT BANK	BANK	CA	████	████
21	ESQUIRE BANK NATIONAL ASSN	BANK	NY	████	████
22	COTTONPORT BANK	BANK	LA	████	████
23	PENNIAN BANK	BANK	PA	████	████
24	FRANKLIN SAVINGS BANK	BANK	ME	████	████
25	CAPITAL BANK	BANK	TX	████	████
26	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████
27	FINANCIAL FEDERAL BANK	BANK	TN	████	████
28	CITIZENS STATE BANK	BANK	MI	████	████

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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