Held-for-sale loan balances rose across 50 institutions in Q1 2026, with MORGAN STANLEY BANK NA in UT leading the expansion by +$8.4B, bringing its total to $17.6B. BANK OF AMERICA NA and SMBC MANUBANK followed with increases of +$5.8B and +$2.8B, respectively.

HFS Loan Pool Surges

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Rank	Institution	Source	State	loans_held_for_sale_qoq_delta
1	MORGAN STANLEY BANK NA	BANK	UT	841200000000.0%
2	BANK OF AMERICA NA	BANK	NC	578200000000.0%
3	SMBC MANUBANK	BANK	CA	282818800000.0%
4	SOFI BANK NATIONAL ASSN	BANK	UT	261759200000.0%
5	GOLDMAN SACHS BANK USA	BANK	NY	78100000000.0%
6	MERCHANTS BANK OF INDIANA	BANK	IN	65358300000.0%
7	FIFTH THIRD BANK NA	BANK	OH	63200000000.0%
8	WESTERN ALLIANCE BANK	BANK	AZ	50368900000.0%
9	SANTANDER BANK N A	BANK	DE	48742500000.0%
10	NICOLET NATIONAL BANK	BANK	WI	39352500000.0%
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	loans_held_for_sale_qoq_delta	Trend
11	U S BANK NATIONAL ASSN	BANK	OH	████	████
12	FIRST MERCHANTS BANK	BANK	IN	████	████
13	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████
14	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████
15	TRUIST BANK	BANK	NC	████	████
16	WELLS FARGO BANK NA	BANK	SD	████	████
17	NEWTEK BANK NATIONAL ASSN	BANK	FL	████	████
18	CEDAR RAPIDS BANK&TRUST CO	BANK	IA	████	████
19	FIRST HORIZON BANK	BANK	TN	████	████
20	PINNACLE BANK	BANK	TN	████	████
21	QUAD CITY BANK&TRUST CO	BANK	IA	████	████
22	GUARANTY BANK	BANK	MO	████	████
23	AMERANT BANK NATIONAL ASSN	BANK	FL	████	████
24	COMMUNITY STATE BANK	BANK	IA	████	████
25	COLUMN NATIONAL ASSN	BANK	CA	████	████
26	PREFERRED BANK	BANK	CA	████	████
27	BANC OF CALIFORNIA	BANK	CA	████	████
28	LENDINGCLUB BANK NA	BANK	UT	████	████
29	BELL BANK	BANK	ND	████	████
30	SUMITOMO MITSUI TR BK U SA	BANK	NJ	████	████
31	CROSS RIVER BANK	BANK	NJ	████	████
32	PRIMIS BANK	BANK	VA	████	████
33	COASTAL COMMUNITY BANK	BANK	WA	████	████
34	PLAINS COMMERCE BANK	BANK	SD	████	████
35	CORNERSTONE CAPITAL BANK SSB	BANK	TX	████	████
36	LEADER BANK NATIONAL ASSN	BANK	MA	████	████
37	CIBC BANK USA	BANK	IL	████	████
38	SUNFLOWER BANK NATIONAL ASSN	BANK	TX	████	████
39	BARRINGTON B&T CO NA	BANK	IL	████	████
40	SQUARE FINL SERVICES INC	BANK	UT	████	████
41	BANKUNITED NATIONAL ASSN	BANK	FL	████	████
42	BANK OF LAKE MILLS	BANK	WI	████	████
43	DIME COMMUNITY BANK	BANK	NY	████	████
44	LUMINATE BANK	BANK	MN	████	████
45	FIRST ELECTRONIC BANK	BANK	UT	████	████
46	COASTAL STATES BANK	BANK	SC	████	████
47	RAYMOND JAMES BANK	BANK	FL	████	████
48	FIRSTBANK	BANK	TN	████	████
49	NEWTOWN SAVINGS BANK	BANK	CT	████	████
50	HANCOCK WHITNEY BANK	BANK	MS	████	████

Methodology

This card ranks banks whose loans-held-for-sale (HFS) balance rose at least $5M (USD 5000000 floor) quarter-over-quarter and surfaces the top 50 by absolute dollar delta. HFS balance: FFIEC Call Report Schedule RC line 4.a (RCFD5369 consolidated; RCON5369 fallback for filers without foreign offices). A rising HFS balance can signal portfolio repositioning, securitization staging, or distress-driven disposition — the card surfaces the movement; interpretation depends on the bank's broader credit-quality and capital posture.

Learn more about HFS Surges →