In Q2 2026, LAMONT BANK OF ST JOHN in WA reported nonperforming loans at 49.83%, exceeding the peer median of 0.36% by +49.47pp. The top three outliers among 50 institutions in this cohort all exceeded peer medians by +39.52pp or more.

Outliers vs Peer Cohort

Sorted by NPL % vs Peer ↓

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Rank	Institution	Source	State	NPL % vs Peer	QoQ
1	LAMONT BANK OF ST JOHN	BANK	WA	49.5%	+27.9
2	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	41.4%	+16.5
3	HOBART IND SCHOOL EMPLOYEES	CU	IN	39.5%	+39.2
4	PEAR ORCHARD	CU	TX	33.7%	-2.0
5	BYKOTA	CU	NY	32.6%	+7.2
6	IMMACULATE HEART OF MARY	CU	LA	31.9%	+23.2
7	AMERICAN TRUST&SAVINGS BANK	BANK	IA	29.7%	+0.2
8	ISRAEL MEMORIAL A M E	CU	NJ	28.0%	+24.6
9	MERIDEN POSTAL EMPLOYEES	CU	CT	27.0%	+2.6
10	FIRST UNITY	CU	MS	25.8%	+6.0
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	NPL % vs Peer	QoQ	Trend
11	HILL DISTRICT	CU	PA	████	████	████
12	SP TRAINMEN	CU	TX	████	████	████
13	NANO BANC	BANK	CA	████	████	████
14	MONET BANK	BANK	TX	████	████	████
15	WRIGHT-DUNBAR AREA	CU	OH	████	████	████
16	IMPERIAL	CU	IL	████	████	████
17	FAR ROCKAWAY POSTAL	CU	NY	████	████	████
18	SARGENT	CU	DC	████	████	████
19	NORTH LITTLE ROCK EDUCATORS	CU	AR	████	████	████
20	PLAINFIELD POLICE & FIREMEN'S	CU	NJ	████	████	████
21	GUERNSEY COMMUNITY	CU	WY	████	████	████
22	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████	████
23	CHICAGO AVENUE GARAGE	CU	IL	████	████	████
24	MIDFIRST BANK	BANK	OK	████	████	████
25	GLAMORGAN EMPLOYEES	CU	VA	████	████	████
26	CALIFORNIA PACIFIC BANK	BANK	CA	████	████	████
27	SPC BROOKLYN	CU	NY	████	████	████
28	NRS COMMUNITY DEVELOPMENT	CU	AL	████	████	████
29	SHAKER HEIGHTS	CU	OH	████	████	████
30	CHURCH OF THE MASTER	CU	NY	████	████	████
31	GRAND RIVERS COMMUNITY BANK	BANK	IL	████	████	████
32	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
33	F A B CHURCH	CU	GA	████	████	████
34	STEPHENS COUNTY COMMUNITY	CU	GA	████	████	████
35	PHI BETA SIGMA	CU	DC	████	████	████
36	TRENTON TEACHERS	CU	NJ	████	████	████
37	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
38	IBERIA PARISH	CU	LA	████	████	████
39	GN BANK	BANK	IL	████	████	████
40	TAYCO EMPLOYEES	CU	KY	████	████	████
41	BERKSHIRE BANK	BANK	NY	████	████	████
42	GREATER CENTENNIAL	CU	NY	████	████	████
43	WEDEVELOPMENT	CU	MO	████	████	████
44	FRIONA TEXAS	CU	TX	████	████	████
45	SIXTH AVENUE BAPTIST	CU	AL	████	████	████
46	PLANTERS	CU	VA	████	████	████
47	ARABI SUGAR WORKERS	CU	LA	████	████	████
48	SOLON STATE BANK	BANK	IA	████	████	████
49	UNITED BANK OF PHILADELPHIA	BANK	PA	████	████	████
50	CHESTERFIELD STATE BANK	BANK	IL	████	████	████

Methodology

We rank institutions whose nonperforming-loan ratio is at least 2× the median for their size cohort. The peer median is the median nonperforming ratio across all active institutions in the same size cohort and quarter. Qualifying institutions are sorted by how far their ratio sits above that median, largest first, so the biggest outliers lead the list. For banks (FDIC-insured): non-current loans — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403); total loans denominator — Schedule RC-C line 12 (RCFD2122 / RCON2122). For credit unions: 60+ days delinquent — NCUA ACCT_041B (direct aggregate); total loans denominator — NCUA ACCT_025B. Size cohorts and peer medians are recalculated every quarter. Comparing banks with credit unions: bank "non-current" loans (90+ days past due or nonaccrual) and credit-union "60+ days delinquent" loans are the closest measures the two filings share, not exact equivalents. Methodology updated 2026-03-31: bank non-current loan volumes now come directly from FFIEC Call Report Schedule RC-N. Earlier quarters used an approximation derived from BankFind ratios, so today's rankings use a more precise bank-side figure. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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