In Q4 2025, 50 institutions held junior lien loans on 1-4 family — junior lien properties classified as nonperforming. JPMORGAN CHASE BANK NA in OH led the category with $161M in NPL volume, followed by BANK OF AMERICA NA in NC at $33M and WELLS FARGO BANK NA in SD at $29M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	JPMORGAN CHASE BANK NA	BANK	OH	$161M	+$111M
2	BANK OF AMERICA NA	BANK	NC	$33M	-$1M
3	WELLS FARGO BANK NA	BANK	SD	$29M	-$2M
4	BMO HARRIS BANK NA	BANK	IL	$28M	-$1M
5	CITIBANK NATIONAL ASSN	BANK	SD	$23M	+$1M
6	TD BANK NATIONAL ASSN	BANK	DE	$21M	+$3M
7	PNC BANK NATIONAL ASSN	BANK	DE	$21M	-$819K
8	U S BANK NATIONAL ASSN	BANK	OH	$18M	+$2M
9	NATIONAL BANK OF NY CITY	BANK	FL	$12M	+$2M
10	FINWISE BANK	BANK	UT	$11M	+$4M
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	NPL Volume	QoQ	Trend
11	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
12	LIVE OAK BANKING CO	BANK	NC	████	████	████
13	REGIONS BANK	BANK	AL	████	████	████
14	SANTANDER BANK N A	BANK	DE	████	████	████
15	AMERICAN MOMENTUM BANK	BANK	TX	████	████	████
16	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
17	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
18	ROYAL BUSINESS BANK	BANK	CA	████	████	████
19	FIFTH THIRD BANK NA	BANK	OH	████	████	████
20	TRUIST BANK	BANK	NC	████	████	████
21	EAST WEST BANK	BANK	CA	████	████	████
22	CALPRIVATE BANK	BANK	CA	████	████	████
23	HUNTINGTON NATIONAL BANK	BANK	OH	████	████	████
24	INTEGRO BANK	BANK	AZ	████	████	████
25	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████	████
26	BOKF NATIONAL ASSN	BANK	OK	████	████	████
27	DOLLAR BANK FSB	BANK	PA	████	████	████
28	BANCORPSOUTH BANK	BANK	MS	████	████	████
29	BANKPLUS	BANK	MS	████	████	████
30	ATLANTIC UNION BANK	BANK	VA	████	████	████
31	ARVEST BANK	BANK	AR	████	████	████
32	ULSTER SAVINGS BANK	BANK	NY	████	████	████
33	ALERUS FINANCIAL NA	BANK	ND	████	████	████
34	FIRST HORIZON BANK	BANK	TN	████	████	████
35	MVB BANK INC	BANK	WV	████	████	████
36	MANUFACTURERS&TRADERS TR CO	BANK	NY	████	████	████
37	FROST BANK	BANK	TX	████	████	████
38	EQUITY BANK	BANK	KS	████	████	████
39	UNITY BANK	BANK	NJ	████	████	████
40	CHARLES SCHWAB BANK SSB	BANK	TX	████	████	████
41	BANCO POPULAR DE PUERTO RICO	BANK	PR	████	████	████
42	LAKE CITY BANK	BANK	IN	████	████	████
43	THIRD FS&LA OF CLEVELAND	BANK	OH	████	████	████
44	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
45	GLACIER BANK	BANK	MT	████	████	████
46	BANK OF HAWAII	BANK	HI	████	████	████
47	FIRST NB OF PENNSYLVANIA	BANK	PA	████	████	████
48	OLD NATIONAL BANK	BANK	IN	████	████	████
49	NORTHPOINTE BANK	BANK	MI	████	████	████
50	RENASANT BANK	BANK	MS	████	████	████

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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