In Q4 2025, BARCLAYS BANK DELAWARE in DE led the Consumer category with $609M in non-performing loans, followed by COMENITY CAPITAL BANK in UT at $433M and MERRICK BANK in UT at $351M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	BARCLAYS BANK DELAWARE	BANK	DE	$609M	+$60M
2	COMENITY CAPITAL BANK	BANK	UT	$433M	+$15M
3	MERRICK BANK	BANK	UT	$351M	+$32M
4	COMENITY BANK	BANK	DE	$242M	+$4M
5	TD BANK USA NATIONAL ASSN	BANK	DE	$205M	-$342K
6	SALLIE MAE BANK	BANK	UT	$151M	+$6M
7	FIRST NATIONAL BANK OF OMAHA	BANK	NE	$122M	+$2M
8	SOUTHEAST BANK	BANK	TN	$102M	+$4M
9	CREDIT ONE BANK NA	BANK	NV	$62M	+$8M
10	COASTAL COMMUNITY BANK	BANK	WA	$55M	+$2M
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	GOLDEN PACIFIC BANK NA	BANK	UT	████	████	████
12	CRESCENT BANK&TRUST	BANK	LA	████	████	████
13	ORIENTAL BANK	BANK	PR	████	████	████
14	FIRSTBANK	BANK	TN	████	████	████
15	LENDINGCLUB BANK NA	BANK	UT	████	████	████
16	ARVEST BANK	BANK	AR	████	████	████
17	FIRST NATIONAL BANK TEXAS	BANK	TX	████	████	████
18	OPTUM BANK INC	BANK	UT	████	████	████
19	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
20	LEAD BANK	BANK	MO	████	████	████
21	MEDALLION BANK	BANK	UT	████	████	████
22	CENTENNIAL BANK	BANK	AR	████	████	████
23	ASSOCIATED BANK NA	BANK	WI	████	████	████
24	COMMERCE BANK	BANK	MO	████	████	████
25	BMW BANK OF NORTH AMERICA	BANK	UT	████	████	████
26	NELNET BANK	BANK	UT	████	████	████
27	WILMINGTON SVG FUND SOCIETY	BANK	DE	████	████	████
28	SYNOVUS BANK	BANK	GA	████	████	████
29	BANK OZK	BANK	AR	████	████	████
30	CUSTOMERS BANK	BANK	PA	████	████	████
31	TOYOTA FINANCIAL SB	BANK	NV	████	████	████
32	FIRST INTERSTATE BANK	BANK	MT	████	████	████
33	NORTHWEST BANK	BANK	PA	████	████	████
34	FIRST NATIONAL BANK	BANK	SD	████	████	████
35	MANUFACTURERS BANK	BANK	CA	████	████	████
36	NBT BANK NATIONAL ASSN	BANK	NY	████	████	████
37	UNION BANK&TRUST CO	BANK	NE	████	████	████
38	BENEFICIAL STATE BANK	BANK	CA	████	████	████
39	AMARILLO NATIONAL BANK	BANK	TX	████	████	████
40	BANK OF ORRICK	BANK	MO	████	████	████
41	ANDERSON BROTHERS BANK	BANK	SC	████	████	████
42	FIRST SAVINGS BANK	BANK	SD	████	████	████
43	1ST SECURITY BANK OF WA	BANK	WA	████	████	████
44	EMIGRANT BANK	BANK	FL	████	████	████
45	RBC BANK GEORGIA NA	BANK	GA	████	████	████
46	MECHANICS BANK	BANK	CA	████	████	████
47	PEOPLESBANK	BANK	MA	████	████	████
48	PARK NATIONAL BANK	BANK	OH	████	████	████
49	FARM BUREAU BANK FSB	BANK	NV	████	████	████
50	PEOPLES BANK	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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