In Q4 2025, 50 institutions held non-owner-occupied commercial real estate loans past due or in nonaccrual status. WELLS FARGO BANK NA led the category with $3.1B in NPL volume, followed by BANK OF AMERICA NA at $1.5B and JPMORGAN CHASE BANK NA at $1.0B.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	WELLS FARGO BANK NA	BANK	SD	$3.1B	+$175M
2	BANK OF AMERICA NA	BANK	NC	$1.5B	+$124M
3	JPMORGAN CHASE BANK NA	BANK	OH	$1.0B	+$82M
4	GOLDMAN SACHS BANK USA	BANK	NY	$675M	-$11M
5	PNC BANK NATIONAL ASSN	BANK	DE	$559M	-$42M
6	MORGAN STANLEY BANK NA	BANK	UT	$494M	-$85M
7	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	$451M	+$6M
8	CITIZENS BANK NATIONAL ASSN	BANK	RI	$450M	-$53M
9	U S BANK NATIONAL ASSN	BANK	OH	$416M	-$62M
10	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	$407M	-$118M
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	CAPITAL ONE NATIONAL ASSN	BANK	VA	████	████	████
12	CITIBANK NATIONAL ASSN	BANK	SD	████	████	████
13	TD BANK NATIONAL ASSN	BANK	DE	████	████	████
14	MANUFACTURERS&TRADERS TR CO	BANK	NY	████	████	████
15	BANK OZK	BANK	AR	████	████	████
16	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
17	WESTERN ALLIANCE BANK	BANK	AZ	████	████	████
18	FIRST HORIZON BANK	BANK	TN	████	████	████
19	STATE STREET BANK&TRUST CO	BANK	MA	████	████	████
20	MORGAN STANLEY PRIVATE BK NA	BANK	NY	████	████	████
21	PACIFIC WESTERN BANK	BANK	CA	████	████	████
22	SANTANDER BANK N A	BANK	DE	████	████	████
23	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
24	BMO HARRIS BANK NA	BANK	IL	████	████	████
25	VALLEY NATIONAL BANK	BANK	NJ	████	████	████
26	REGIONS BANK	BANK	AL	████	████	████
27	CARTER BANK&TRUST	BANK	VA	████	████	████
28	BEAL BANK	BANK	TX	████	████	████
29	EMIGRANT BANK	BANK	FL	████	████	████
30	INDUSTRIAL&COMMERCIAL BK CHI	BANK	NY	████	████	████
31	HUNTINGTON NATIONAL BANK	BANK	OH	████	████	████
32	TRUIST BANK	BANK	NC	████	████	████
33	BANK OF NEW YORK MELLON	BANK	NY	████	████	████
34	DEUTSCHE BANK TR CO AMERICAS	BANK	NY	████	████	████
35	NANO BANC	BANK	CA	████	████	████
36	EAGLEBANK	BANK	MD	████	████	████
37	CITY NATIONAL BANK	BANK	CA	████	████	████
38	ZIONS BCORP N A	BANK	UT	████	████	████
39	OLD NATIONAL BANK	BANK	IN	████	████	████
40	WASHINGTON FEDERAL BANK NA	BANK	WA	████	████	████
41	UNITED BANK	BANK	VA	████	████	████
42	EASTERN BANK	BANK	MA	████	████	████
43	RAYMOND JAMES BANK NA	BANK	FL	████	████	████
44	BANKUNITED NATIONAL ASSN	BANK	FL	████	████	████
45	MERCHANTS BANK OF INDIANA	BANK	IN	████	████	████
46	CIBC BANK USA	BANK	IL	████	████	████
47	MIDFIRST BANK	BANK	OK	████	████	████
48	FIRST INTERNATIONAL B&T	BANK	ND	████	████	████
49	POPPY BANK	BANK	CA	████	████	████
50	SYNOVUS BANK	BANK	GA	████	████	████

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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