50 institutions reported loan modifications exceeding 2% of total loans in Q4 2025. YOUNG AMERICANS BANK in CO led with 100.0% of its loan portfolio modified, totaling $43K, followed by CITY NB OF SAN SABA in TX at 65.1% ($6M).

Modified Loan Pools

Sorted by LMD % of Loans ↓

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Rank	Institution	Source	State	LMD % of Loans	QoQ
1	YOUNG AMERICANS BANK	BANK	CO	100.0%	+100.0
2	CITY NB OF SAN SABA	BANK	TX	65.1%	+65.1
3	UNITED BANK OF PHILADELPHIA	BANK	PA	20.6%	+0.2
4	FIRST SECURITY BK OF ROUNDUP	BANK	MT	10.6%	-2.2
5	FIRST STB OF SWANVILLE	BANK	MN	7.4%	+0.5
6	MAINSTREET BANK	BANK	VA	6.4%	+1.4
7	CHICKASAW COMMUNITY BANK	BANK	OK	5.7%	+3.2
8	CITIZENS STB OF LULING	BANK	TX	5.5%	+0.2
9	COMMUNITY B&T WEST GEORGIA	BANK	GA	5.1%	+2.0
10	FIRST STATE BANK OF MALTA	BANK	MT	4.7%	+0.4
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	LMD % of Loans	QoQ	Trend
11	SCHERTZ BANK&TRUST	BANK	TX	████	████	████
12	NANO BANC	BANK	CA	████	████	████
13	RARITAN STATE BANK	BANK	IL	████	████	████
14	UNITY BANK	BANK	WI	████	████	████
15	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████	████
16	THAYER COUNTY BANK	BANK	NE	████	████	████
17	WALTON STATE BANK	BANK	KS	████	████	████
18	EAGLEBANK	BANK	MD	████	████	████
19	ST LANDRY BANK&TRUST CO	BANK	LA	████	████	████
20	NORTHERN BANK&TRUST CO	BANK	MA	████	████	████
21	VERMONT STATE BANK	BANK	IL	████	████	████
22	CROSS RIVER BANK	BANK	NJ	████	████	████
23	BANK OF GRANDIN	BANK	MO	████	████	████
24	SAINTE MARIE STATE BANK	BANK	IL	████	████	████
25	FIRST NB OF WINNSBORO	BANK	TX	████	████	████
26	CITIZENS SAVINGS BANK	BANK	LA	████	████	████
27	ALMA BANK	BANK	NY	████	████	████
28	CFG COMMUNITY BANK	BANK	MD	████	████	████
29	SUNRISE BANK DAKOTA	BANK	SD	████	████	████
30	WASHINGTON FINANCIAL BANK	BANK	PA	████	████	████
31	FARMERS STATE BANK	BANK	WA	████	████	████
32	TRADITION CAPITAL BANK	BANK	MN	████	████	████
33	HAWAII NATIONAL BANK	BANK	HI	████	████	████
34	AMERICAN STATE BANK	BANK	TX	████	████	████
35	BANKVISTA	BANK	MN	████	████	████
36	MIDAMERICA NATIONAL BANK	BANK	IL	████	████	████
37	FWBANK	BANK	IL	████	████	████
38	FIRST FS&LA OF BATH	BANK	ME	████	████	████
39	STATE BANK OF TAUNTON	BANK	MN	████	████	████
40	BANK OF ABBEVILLE&TRUST CO	BANK	LA	████	████	████
41	SANTANDER BANK N A	BANK	DE	████	████	████
42	ANNA JONESBORO NATIONAL BANK	BANK	IL	████	████	████
43	INB NATIONAL ASSN	BANK	IL	████	████	████
44	CHARTER BANK	BANK	TX	████	████	████
45	MOUNTAINONE BANK	BANK	MA	████	████	████
46	FIRST CAPITAL BANK	BANK	TX	████	████	████
47	FIRST STATE BANK OF PORTER	BANK	IN	████	████	████
48	WASHINGTON SAVINGS BANK	BANK	IL	████	████	████
49	TRI-COUNTY TRUST CO	BANK	MO	████	████	████
50	STATE BANK OF DOWNS	BANK	KS	████	████	████

Methodology

This card ranks banks whose loan-modification (LMD) balance, divided by total loans, meets or exceeds 0.02 (2%) and surfaces the top 50 by absolute share. Field source: FFIEC Call Report Schedule RC-C Part I Memorandum 1.g (sum of M1.a-M1.f — loans to borrowers experiencing financial difficulty modified under the CECL framework). Stored in call_report_bank_specifics.loan_modifications_distressed_balance after normalize-cdr.js. Denominator is total loans from call_report_metrics_quarterly.total_loans. TDR-to-LMD transition disclaimer: pre-2023-Q4 quarters reported "troubled debt restructurings" (TDRs) under the legacy framework. CECL adoption (FASB ASU 2022-02, effective for fiscal years beginning after Dec 15, 2022 — i.e. 2023-Q4 onward for most filers) replaced TDR designation with the broader LMD concept. Quarters before 2023-Q4 will show systematically lower LMD balances because the legacy TDR concept covered a narrower population — direct quarter-over-quarter comparison across that boundary is not apples-to-apples.

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