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.

Q2 202650 institutions (archived snapshot)

In Q2 2026, JPMORGAN CHASE BANK NA held the largest nonperforming loan volume in 1-4 family — HELOC HELOCs at $758M, followed by WELLS FARGO BANK NA at $715M and PNC BANK NATIONAL ASSN at $422M. These three institutions accounted for a substantial share of nonperformance among 50 banks and credit unions reporting in this category.

NPL Volume Leaders by Category

Sorted by NPL Volume ↓

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Rank	Institution	Source	State	NPL Volume	QoQ
1	JPMORGAN CHASE BANK NA	BANK	OH	$758M	-$7M
2	WELLS FARGO BANK NA	BANK	SD	$715M	-$16M
3	PNC BANK NATIONAL ASSN	BANK	DE	$422M	+$8M
4	BANK OF AMERICA NA	BANK	NC	$363M	-$20M
5	CITIZENS BANK NATIONAL ASSN	BANK	RI	$307M	-$6M
6	TD BANK NATIONAL ASSN	BANK	DE	$177M	+$4M
7	U S BANK NATIONAL ASSN	BANK	OH	$138M	-$6M
8	HUNTINGTON NATIONAL BANK	BANK	OH	$134M	+$8M
9	FIFTH THIRD BANK NA	BANK	OH	$121M	+$24M
10	TRUIST BANK	BANK	NC	$106M	-$3M
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	FIRST HORIZON BANK	BANK	TN	████	████	████
16	REGIONS BANK	BANK	AL	████	████	████
17	SANTANDER BANK N A	BANK	DE	████	████	████
18	ZIONS BCORP N A	BANK	UT	████	████	████
19	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
20	EAST WEST BANK	BANK	CA	████	████	████
21	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
22	OLD NATIONAL BANK	BANK	IN	████	████	████
23	CITY NATIONAL BANK	BANK	CA	████	████	████
24	SEATTLE BANK	BANK	WA	████	████	████
25	USAA FEDERAL SAVINGS BANK	BANK	AZ	████	████	████
26	PINNACLE BANK	BANK	TN	████	████	████
27	THIRD FS&LA OF CLEVELAND	BANK	OH	████	████	████
28	HANCOCK WHITNEY BANK	BANK	MS	████	████	████
29	NORTHPOINTE BANK	BANK	MI	████	████	████
30	FIRST HAWAIIAN BANK	BANK	HI	████	████	████
31	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
32	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
33	ARVEST BANK	BANK	AR	████	████	████
34	SOUTHSTATE BANK NA	BANK	FL	████	████	████
35	WESBANCO BANK INC	BANK	WV	████	████	████
36	SEACOAST NATIONAL BANK	BANK	FL	████	████	████
37	COLUMBIA BANK	BANK	OR	████	████	████
38	ATLANTIC UNION BANK	BANK	VA	████	████	████
39	HOMETRUST BANK	BANK	NC	████	████	████
40	FROST BANK	BANK	TX	████	████	████
41	FREMONT BANK	BANK	CA	████	████	████
42	TRUSTMARK BANK	BANK	MS	████	████	████
43	NORTHERN BANK&TRUST CO	BANK	MA	████	████	████
44	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
45	ROCKLAND TRUST CO	BANK	MA	████	████	████
46	UNITED COMMUNITY BANK	BANK	SC	████	████	████
47	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
48	BOKF NATIONAL ASSN	BANK	OK	████	████	████
49	FIRSTIER BANK	BANK	NE	████	████	████
50	VALLEY NATIONAL BANK	BANK	NJ	████	████	████

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 →