Banks with the largest absolute 1-4 family — 1st lien non-performing loan exposure

Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.

Q4 202550 institutions (archived snapshot)

In Q4 2025, MIDFIRST BANK in OK held the largest portfolio of nonperforming 1-4 family — 1st lien loans among 50 reporting institutions, with $4.6B in NPL volume. U S BANK NATIONAL ASSN and WELLS FARGO BANK NA followed with $3.9B and $3.9B, respectively.

NPL Volume Leaders by Category

Sorted by NPL Volume ↓

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Rank	Institution	Source	State	NPL Volume	QoQ
1	MIDFIRST BANK	BANK	OK	$4.6B	+$1.1B
2	U S BANK NATIONAL ASSN	BANK	OH	$3.9B	+$1.1B
3	WELLS FARGO BANK NA	BANK	SD	$3.9B	-$613M
4	JPMORGAN CHASE BANK NA	BANK	OH	$3.6B	+$41M
5	BANK OF AMERICA NA	BANK	NC	$2.1B	+$60M
6	WESTERN ALLIANCE BANK	BANK	AZ	$995M	+$248M
7	MANUFACTURERS&TRADERS TR CO	BANK	NY	$915M	+$178M
8	PNC BANK NATIONAL ASSN	BANK	DE	$812M	+$31M
9	CITIBANK NATIONAL ASSN	BANK	SD	$786M	-$26M
10	TRUIST BANK	BANK	NC	$779M	+$106M
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 Volume	QoQ	Trend
11	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████	████
12	TD BANK NATIONAL ASSN	BANK	DE	████	████	████
13	TIAA FSB	BANK	FL	████	████	████
14	HUNTINGTON NATIONAL BANK	BANK	OH	████	████	████
15	FIFTH THIRD BANK NA	BANK	OH	████	████	████
16	BANCO POPULAR DE PUERTO RICO	BANK	PR	████	████	████
17	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
18	REGIONS BANK	BANK	AL	████	████	████
19	MORGAN STANLEY PRIVATE BK NA	BANK	NY	████	████	████
20	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
21	BARRINGTON B&T CO NA	BANK	IL	████	████	████
22	BANKUNITED NATIONAL ASSN	BANK	FL	████	████	████
23	BANCORPSOUTH BANK	BANK	MS	████	████	████
24	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
25	TRUSTMARK NATIONAL BANK	BANK	MS	████	████	████
26	BMO HARRIS BANK NA	BANK	IL	████	████	████
27	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
28	FIRST HORIZON BANK	BANK	TN	████	████	████
29	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
30	USAA FEDERAL SAVINGS BANK	BANK	AZ	████	████	████
31	FIRST NB OF AMERICA	BANK	MI	████	████	████
32	UBS BANK USA	BANK	UT	████	████	████
33	NEXBANK	BANK	TX	████	████	████
34	BOKF NATIONAL ASSN	BANK	OK	████	████	████
35	CITY NATIONAL BANK	BANK	CA	████	████	████
36	ZIONS BCORP N A	BANK	UT	████	████	████
37	ORIENTAL BANK	BANK	PR	████	████	████
38	OLD NATIONAL BANK	BANK	IN	████	████	████
39	AMERIS BANK	BANK	GA	████	████	████
40	BELL BANK	BANK	ND	████	████	████
41	CORNERSTONE CAPITAL BANK SSB	BANK	TX	████	████	████
42	SOUTH STB NA	BANK	FL	████	████	████
43	ASSOCIATED BANK NA	BANK	WI	████	████	████
44	NORTHPOINTE BANK	BANK	MI	████	████	████
45	SANTANDER BANK N A	BANK	DE	████	████	████
46	BANK OF AMERICA CA NA	BANK	CA	████	████	████
47	CITY NB OF FLORIDA	BANK	FL	████	████	████
48	GATEWAY FIRST BANK	BANK	OK	████	████	████
49	ALLY BANK	BANK	UT	████	████	████
50	UMPQUA BANK	BANK	OR	████	████	████

Methodology

This card ranks banks by absolute non-performing loan volume in each loan category — largest first, top 50. There is no minimum-dollar threshold; the per-category leaderboards naturally surface the largest banks in each segment. Field source: FFIEC Call Report Schedule RC-N per-category nonaccrual plus 90-days-past-due dollar columns, taken directly from the FFIEC Central Data Repository (CDR). The sibling Charge-Off Velocity card shows how fast a category is deteriorating; this card shows where the existing stock of problem loans sits.

Learn more about NPL Volume →