Banks with the largest absolute 1-4 family — HELOC 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.

Q1 202650 institutions (archived snapshot)

In Q1 2026, 50 institutions held 1-4 family — HELOC non-performing loans, led by JPMORGAN CHASE BANK NA in OH with $765M. WELLS FARGO BANK NA in SD followed with $731M, and PNC BANK NATIONAL ASSN in DE held $414M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	JPMORGAN CHASE BANK NA	BANK	OH	$765M	-$4M
2	WELLS FARGO BANK NA	BANK	SD	$731M	-$8M
3	PNC BANK NATIONAL ASSN	BANK	DE	$414M	+$11M
4	BANK OF AMERICA NA	BANK	NC	$383M	+$1M
5	CITIZENS BANK NATIONAL ASSN	BANK	RI	$313M	+$3M
6	TD BANK NATIONAL ASSN	BANK	DE	$174M	+$3M
7	U S BANK NATIONAL ASSN	BANK	OH	$144M	+$840K
8	HUNTINGTON NATIONAL BANK	BANK	OH	$126M	+$5M
9	TRUIST BANK	BANK	NC	$109M	+$3M
10	FIFTH THIRD BANK NA	BANK	OH	$97M	+$32M
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	CITIBANK NATIONAL ASSN	BANK	SD	████	████	████
12	MANUFACTURERS&TRADERS TR CO	BANK	NY	████	████	████
13	BMO BANK NATIONAL ASSN	BANK	IL	████	████	████
14	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
15	REGIONS BANK	BANK	AL	████	████	████
16	SANTANDER BANK N A	BANK	DE	████	████	████
17	FIRST HORIZON BANK	BANK	TN	████	████	████
18	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
19	ZIONS BCORP N A	BANK	UT	████	████	████
20	EAST WEST BANK	BANK	CA	████	████	████
21	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
22	CITY NATIONAL BANK	BANK	CA	████	████	████
23	SEATTLE BANK	BANK	WA	████	████	████
24	OLD NATIONAL BANK	BANK	IN	████	████	████
25	PINNACLE BANK	BANK	TN	████	████	████
26	USAA FEDERAL SAVINGS BANK	BANK	AZ	████	████	████
27	NORTHPOINTE BANK	BANK	MI	████	████	████
28	HANCOCK WHITNEY BANK	BANK	MS	████	████	████
29	FIRST HAWAIIAN BANK	BANK	HI	████	████	████
30	THIRD FS&LA OF CLEVELAND	BANK	OH	████	████	████
31	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
32	ARVEST BANK	BANK	AR	████	████	████
33	ATLANTIC UNION BANK	BANK	VA	████	████	████
34	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
35	COLUMBIA BANK	BANK	OR	████	████	████
36	WESBANCO BANK INC	BANK	WV	████	████	████
37	SOUTHSTATE BANK NA	BANK	FL	████	████	████
38	FREMONT BANK	BANK	CA	████	████	████
39	SEACOAST NATIONAL BANK	BANK	FL	████	████	████
40	NORTHERN BANK&TRUST CO	BANK	MA	████	████	████
41	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
42	FROST BANK	BANK	TX	████	████	████
43	HORIZON BANK	BANK	IN	████	████	████
44	TRUSTMARK BANK	BANK	MS	████	████	████
45	FIRST MERCHANTS BANK	BANK	IN	████	████	████
46	HOMETRUST BANK	BANK	NC	████	████	████
47	MERCHANTS BANK OF INDIANA	BANK	IN	████	████	████
48	ROCKLAND TRUST CO	BANK	MA	████	████	████
49	CITY NB OF FLORIDA	BANK	FL	████	████	████
50	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████

Methodology

This card ranks banks by absolute non-performing loan volume per CDR leaf category, sorted descending, top 50. No minimum-dollar threshold is applied — the per-category leaderboards naturally surface the largest banks in each segment. Field source: FFIEC Call Report Schedule RC-N per-category nonaccrual + 90-days-past-due dollar columns (pinned in lib/call-report/cdr-fields.js). Stored in call_report_metrics_by_category.nonperforming_volume with source='fdic_cdr'. Sibling card charge-off-velocity surfaces the leading-edge rate of deterioration; this card surfaces the absolute concentration of stock.

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