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

Q1 202650 institutions (archived snapshot)

In Q1 2026, 50 institutions held non-performing loans in the 1-4 family — junior lien category. JPMORGAN CHASE BANK NA in OH led with $77M, followed by BANK OF AMERICA NA in NC at $34M and BMO BANK NATIONAL ASSN in IL at $29M.

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	$77M	-$84M
2	BANK OF AMERICA NA	BANK	NC	$34M	+$1M
3	BMO BANK NATIONAL ASSN	BANK	IL	$29M	+$319K
4	WELLS FARGO BANK NA	BANK	SD	$27M	-$2M
5	TD BANK NATIONAL ASSN	BANK	DE	$21M	+$521K
6	PNC BANK NATIONAL ASSN	BANK	DE	$21M	+$527K
7	U S BANK NATIONAL ASSN	BANK	OH	$17M	-$1M
8	NEWTEK BANK NATIONAL ASSN	BANK	FL	$13M	+$465K
9	CALPRIVATE BANK	BANK	CA	$13M	+$8M
10	FINWISE BANK	BANK	UT	$11M	-$171K
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	HUNTINGTON NATIONAL BANK	BANK	OH	████	████	████
12	CITIBANK NATIONAL ASSN	BANK	SD	████	████	████
13	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	████	████	████
14	LIVE OAK BANKING CO	BANK	NC	████	████	████
15	AMERICAN MOMENTUM BANK	BANK	TX	████	████	████
16	TRUIST BANK	BANK	NC	████	████	████
17	REGIONS BANK	BANK	AL	████	████	████
18	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
19	SANTANDER BANK N A	BANK	DE	████	████	████
20	ROYAL BUSINESS BANK	BANK	CA	████	████	████
21	FIFTH THIRD BANK NA	BANK	OH	████	████	████
22	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████	████
23	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
24	INTEGRO BANK	BANK	AZ	████	████	████
25	EAST WEST BANK	BANK	CA	████	████	████
26	BOKF NATIONAL ASSN	BANK	OK	████	████	████
27	DOLLAR BANK FSB	BANK	PA	████	████	████
28	ARVEST BANK	BANK	AR	████	████	████
29	FROST BANK	BANK	TX	████	████	████
30	BANKPLUS	BANK	MS	████	████	████
31	MANUFACTURERS&TRADERS TR CO	BANK	NY	████	████	████
32	ATLANTIC UNION BANK	BANK	VA	████	████	████
33	ULSTER SAVINGS BANK	BANK	NY	████	████	████
34	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
35	MVB BANK INC	BANK	WV	████	████	████
36	PINNACLE BANK	BANK	TN	████	████	████
37	ALERUS FINANCIAL NA	BANK	ND	████	████	████
38	FIRST HORIZON BANK	BANK	TN	████	████	████
39	BANK OF OAK RIDGE	BANK	NC	████	████	████
40	MUTUALONE BANK	BANK	MA	████	████	████
41	UNITY BANK	BANK	NJ	████	████	████
42	BANCO POPULAR DE PUERTO RICO	BANK	PR	████	████	████
43	CHARLES SCHWAB BANK SSB	BANK	TX	████	████	████
44	INTERNATIONAL BK OF COM	BANK	TX	████	████	████
45	FIRST NB OF PENNSYLVANIA	BANK	PA	████	████	████
46	NORTHPOINTE BANK	BANK	MI	████	████	████
47	LAKE CITY BANK	BANK	IN	████	████	████
48	EQUITY BANK	BANK	KS	████	████	████
49	OLD NATIONAL BANK	BANK	IN	████	████	████
50	THIRD FS&LA OF CLEVELAND	BANK	OH	████	████	████

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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