States with the biggest quarterly rise in weighted nonperforming ratio
U.S. states whose institution-weighted nonperforming-loan ratio grew the most quarter-over-quarter — surfaces regions where stress is building across the local banking landscape.
| Rank | State | Weighted NPL % | QoQ Δ | Institutions | Total nonperforming |
|---|---|---|---|---|---|
| 1 | OK | 5.07% | +1.1 | 226 | $7.9B |
| 2 | AZ | 1.87% | +0.2 | 46 | $2.5B |
| 3 | MT | 0.66% | +0.1 | 76 | $360.4M |
| 4 | RI | 1.39% | +0.1 | 20 | $2.3B |
| 5 | WV | 0.75% | +0.1 | 116 | $290.5M |
| 6 | NE | 0.66% | +0.1 | 191 | $575.3M |
| 7 | KY | 0.55% | +0.0 | 172 | $394.8M |
| 8 | OR | 0.69% | +0.0 | 61 | $552.9M |
| 9 | AR | 0.82% | +0.0 | 126 | $1.1B |
| 10 | MN | 0.74% | +0.0 | 310 | $659.9M |
Methodology
We rank U.S. states by the quarter-over-quarter change in institution-weighted nonperforming-loan ratio. The weighting is by total loans, so larger institutions move the state-level number more. The minimum delta threshold is 0 (we surface any state in positive territory). Underlying institution-level inputs: bank-side nonperforming volumes — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403); bank-side total loans denominator — Schedule RC-C line 12 (RCFD2122 / RCON2122). CU-side 60+ delinquent volumes — NCUA ACCT_041B (direct aggregate); CU-side total loans denominator — NCUA ACCT_025B. Each institution's per-quarter ratio is computed inline (numerator / denominator) and then aggregated by HQ state with institution-weighted average. Cross-type comparability: state aggregates blend bank "non-current" and CU "60+ delinquent" — LCD approximations, not equivalents. Methodology updated 2026-03-31: bank institution-level nonperforming volumes underlying the state weighting now source directly from FFIEC Call Report Schedule RC-N rather than BankFind ratio-derived approximation. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.