In Q4 2025, 50 institutions reported nonperforming loans in the owner-occupied CRE category. BANK OF AMERICA NA in NC led with $231M, followed by BMO HARRIS BANK NA in IL at $182M and FIRST-CITIZENS BANK&TRUST CO in NC at $154M.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	BANK OF AMERICA NA	BANK	NC	$231M	+$49M
2	BMO HARRIS BANK NA	BANK	IL	$182M	+$61M
3	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	$154M	+$8M
4	LIVE OAK BANKING CO	BANK	NC	$150M	+$17M
5	JPMORGAN CHASE BANK NA	BANK	OH	$136M	+$12M
6	TRUIST BANK	BANK	NC	$130M	+$33M
7	WELLS FARGO BANK NA	BANK	SD	$127M	-$6M
8	MANUFACTURERS&TRADERS TR CO	BANK	NY	$121M	-$37M
9	PNC BANK NATIONAL ASSN	BANK	DE	$120M	+$46M
10	TD BANK NATIONAL ASSN	BANK	DE	$100M	+$15M
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	FIRST HORIZON BANK	BANK	TN	████	████	████
12	COMERICA BANK	BANK	TX	████	████	████
13	U S BANK NATIONAL ASSN	BANK	OH	████	████	████
14	CELTIC BANK	BANK	UT	████	████	████
15	OLD NATIONAL BANK	BANK	IN	████	████	████
16	HUNTINGTON NATIONAL BANK	BANK	OH	████	████	████
17	AMARILLO NATIONAL BANK	BANK	TX	████	████	████
18	PACIFIC WESTERN BANK	BANK	CA	████	████	████
19	POPPY BANK	BANK	CA	████	████	████
20	REGIONS BANK	BANK	AL	████	████	████
21	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
22	SOUTH STB NA	BANK	FL	████	████	████
23	ZIONS BCORP N A	BANK	UT	████	████	████
24	NATIONAL BANK OF NY CITY	BANK	FL	████	████	████
25	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
26	ENTERPRISE BANK&TRUST	BANK	MO	████	████	████
27	RENASANT BANK	BANK	MS	████	████	████
28	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
29	AMERANT BANK NATIONAL ASSN	BANK	FL	████	████	████
30	BYLINE BANK	BANK	IL	████	████	████
31	FIRST FINANCIAL BANK NA	BANK	TX	████	████	████
32	CROSS RIVER BANK	BANK	NJ	████	████	████
33	FIFTH THIRD BANK NA	BANK	OH	████	████	████
34	NORTHERN TRUST CO	BANK	IL	████	████	████
35	EASTERN BANK	BANK	MA	████	████	████
36	LINCOLN SAVINGS BANK	BANK	IA	████	████	████
37	BANCORPSOUTH BANK	BANK	MS	████	████	████
38	ALLEGIANCE BANK	BANK	TX	████	████	████
39	CITY NATIONAL BANK	BANK	CA	████	████	████
40	BOKF NATIONAL ASSN	BANK	OK	████	████	████
41	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████	████
42	BANCO POPULAR DE PUERTO RICO	BANK	PR	████	████	████
43	BCORP BANK	BANK	SD	████	████	████
44	FINWISE BANK	BANK	UT	████	████	████
45	FIRST BANK OF THE LAKE	BANK	MO	████	████	████
46	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
47	CATHAY BANK	BANK	CA	████	████	████
48	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
49	FIRST INTERSTATE BANK	BANK	MT	████	████	████
50	SEACOAST NATIONAL BANK	BANK	FL	████	████	████

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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