Banks staging the largest QoQ build in loans-held-for-sale in Q4 2025
Banks whose loans-held-for-sale balance rose at least $5M quarter-over-quarter — an early signal of asset-disposition staging, portfolio repositioning, or distress-driven shedding.
No institutions matched the HFS Loan Pool Surges criteria in Q4 2025. Check the methodology footnote for the card's threshold and the upstream data freshness.
Methodology
This card ranks banks whose loans-held-for-sale (HFS) balance rose at least $5 million quarter-over-quarter, and surfaces the top 50 by dollar increase. HFS balance: FFIEC Call Report Schedule RC line 4.a (RCFD5369 consolidated; RCON5369 for filers without foreign offices). A rising HFS balance can signal portfolio repositioning, securitization staging, or distress-driven sales — the card surfaces the movement; what it means depends on the bank's broader credit quality and capital position.