In Q4 2025, 50 banks reported Commercial & industrial nonperforming loans. LIVE OAK BANKING CO in NC led the category with $346M, followed by CIBC BANK USA in IL at $220M and WEBSTER BANK NATIONAL ASSN in CT at $217M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	LIVE OAK BANKING CO	BANK	NC	$346M	+$15M
2	CIBC BANK USA	BANK	IL	$220M	-$39M
3	WEBSTER BANK NATIONAL ASSN	BANK	CT	$217M	-$57M
4	BANKUNITED NATIONAL ASSN	BANK	FL	$166M	+$13M
5	SYNOVUS BANK	BANK	GA	$122M	+$37M
6	TEXAS CAPITAL BANK NA	BANK	TX	$117M	+$45M
7	METABANK NATIONAL ASSN	BANK	SD	$104M	+$15M
8	SOUTH STB NA	BANK	FL	$96M	+$2M
9	FIRST HORIZON BANK	BANK	TN	$93M	+$3M
10	BANCORPSOUTH BANK	BANK	MS	$90M	-$20M
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	ORIENTAL BANK	BANK	PR	████	████	████
12	STIFEL BANK&TRUST	BANK	MO	████	████	████
13	BEAL BANK USA	BANK	NV	████	████	████
14	1ST SOURCE BANK	BANK	IN	████	████	████
15	CARTER BANK&TRUST	BANK	VA	████	████	████
16	ZIONS BCORP N A	BANK	UT	████	████	████
17	CITY NB OF FLORIDA	BANK	FL	████	████	████
18	WASHINGTON FEDERAL BANK NA	BANK	WA	████	████	████
19	ISRAEL DISCOUNT BANK OF NY	BANK	NY	████	████	████
20	BANK OF HOPE	BANK	CA	████	████	████
21	FROST BANK	BANK	TX	████	████	████
22	INTERNATIONAL BK OF COM	BANK	TX	████	████	████
23	AMARILLO NATIONAL BANK	BANK	TX	████	████	████
24	UMPQUA BANK	BANK	OR	████	████	████
25	TBK BANK SSB	BANK	TX	████	████	████
26	BROOKLINE BANK	BANK	MA	████	████	████
27	FIRST COMMONWEALTH BANK	BANK	PA	████	████	████
28	PINNACLE BANK	BANK	TN	████	████	████
29	WESTERN ALLIANCE BANK	BANK	AZ	████	████	████
30	APPLE BANK FOR SAVINGS	BANK	NY	████	████	████
31	HANCOCK WHITNEY BANK	BANK	MS	████	████	████
32	FIRST INTERNET BANK OF IN	BANK	IN	████	████	████
33	CELTIC BANK	BANK	UT	████	████	████
34	WOODFOREST NATIONAL BANK	BANK	TX	████	████	████
35	FIRST BANK OF THE LAKE	BANK	MO	████	████	████
36	BYLINE BANK	BANK	IL	████	████	████
37	PRIMIS BANK	BANK	VA	████	████	████
38	NEEDHAM BANK	BANK	MA	████	████	████
39	FIRST NB OF PENNSYLVANIA	BANK	PA	████	████	████
40	BUSEY BANK	BANK	IL	████	████	████
41	NATIONAL BANK OF NY CITY	BANK	FL	████	████	████
42	FIRST FOUNDATION BANK	BANK	CA	████	████	████
43	TRANSPORTATION ALLIANCE BK D	BANK	UT	████	████	████
44	ARVEST BANK	BANK	AR	████	████	████
45	NORTHERN BANK&TRUST CO	BANK	MA	████	████	████
46	UNITED COMMUNITY BANK	BANK	SC	████	████	████
47	LENDINGCLUB BANK NA	BANK	UT	████	████	████
48	GLACIER BANK	BANK	MT	████	████	████
49	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
50	CAPITAL BANK NATIONAL ASSN	BANK	MD	████	████	████

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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