In Q4 2025, 50 institutions reported nonperforming loans in the Construction — 1-4 family category. JPMORGAN CHASE BANK NA in OH led with $88M, followed by FIRSTBANK in TN at $23M and U S BANK NATIONAL ASSN in OH at $21M.

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	$88M	-$52M
2	FIRSTBANK	BANK	TN	$23M	-$76K
3	U S BANK NATIONAL ASSN	BANK	OH	$21M	-$12M
4	GOLDMAN SACHS BANK USA	BANK	NY	$15M	-$0
5	ANB BANK	BANK	CO	$14M	+$14M
6	MUTUALONE BANK	BANK	MA	$12M	-$27M
7	CALIFORNIA PACIFIC BANK	BANK	CA	$10M	+$512K
8	SIMMONS BANK	BANK	AR	$9M	+$9M
9	BANK OF SOUTHERN CA N A	BANK	CA	$9M	+$311K
10	SULLIVAN BANK	BANK	MO	$8M	-$19K
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	CITY NB OF FLORIDA	BANK	FL	████	████	████
12	FNB COMMUNITY BANK	BANK	OK	████	████	████
13	MERIDIAN BANK	BANK	PA	████	████	████
14	SOUTH STB NA	BANK	FL	████	████	████
15	WESTERN STATE BANK	BANK	ND	████	████	████
16	HERITAGE BANK	BANK	WA	████	████	████
17	PACIFIC WESTERN BANK	BANK	CA	████	████	████
18	READING COOP BANK	BANK	MA	████	████	████
19	FIRST FS&LA OF PORT ANGELES	BANK	WA	████	████	████
20	OCEANFIRST BANK NA	BANK	NJ	████	████	████
21	SOUTHPOINT BANK	BANK	AL	████	████	████
22	ALERUS FINANCIAL NA	BANK	ND	████	████	████
23	HOME BANK NATIONAL ASSN	BANK	LA	████	████	████
24	MEGA BANK	BANK	CA	████	████	████
25	NEW OMNI BANK NATIONAL ASSN	BANK	CA	████	████	████
26	PINNACLE BANK	BANK	IA	████	████	████
27	SPIRITBANK	BANK	OK	████	████	████
28	AMERICAN NATIONAL BANK&TRUST	BANK	TX	████	████	████
29	BANKGLOUCESTER	BANK	MA	████	████	████
30	LEAD BANK	BANK	MO	████	████	████
31	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████	████
32	REGENT BANK	BANK	OK	████	████	████
33	MABREY BANK	BANK	OK	████	████	████
34	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
35	PEOPLES STATE BANK	BANK	KS	████	████	████
36	EXCHANGE BANK	BANK	CA	████	████	████
37	COMMUNITY NATIONAL BANK	BANK	TX	████	████	████
38	AVIDBANK	BANK	CA	████	████	████
39	CAPITAL BANK NATIONAL ASSN	BANK	MD	████	████	████
40	CITIZENS COMMUNITY BANK	BANK	IL	████	████	████
41	FEDERAL SAVINGS BANK	BANK	IL	████	████	████
42	CRYSTAL LAKE B&T CO NA	BANK	IL	████	████	████
43	COLORADO FSB	BANK	CO	████	████	████
44	BANK OF FRANKEWING	BANK	TN	████	████	████
45	BMO HARRIS BANK NA	BANK	IL	████	████	████
46	FIRST PRYORITY BANK	BANK	OK	████	████	████
47	AMERICAN BANK OF MISSOURI	BANK	MO	████	████	████
48	BANKSOUTH	BANK	GA	████	████	████
49	STONE BANK	BANK	AR	████	████	████
50	NORTHPOINTE BANK	BANK	MI	████	████	████

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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