Banks with the largest absolute CRE — owner-occupied non-performing loan exposure

Banks with the largest absolute dollar exposure to non-performing loans in a specific category. Volume-ranked rather than ratio-ranked, so this card complements rising-npls (which surfaces banks with the fastest ratio increase). A large bank with a flat-but-large NPL book may not appear on rising-npls but is the dominant story for category-level exposure on this card.

Q1 202650 institutions (archived snapshot)

In Q1 2026, JPMORGAN CHASE BANK NA in OH held the largest volume of nonperforming loans in CRE — owner-occupied, totaling $303M, followed by BANK OF AMERICA NA in NC at $251M and TRUIST BANK in NC at $203M. These three institutions accounted for the highest absolute NPL balances across 50 reporting banks in this category.

NPL Volume Leaders by Category

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Rank	Institution	Source	State	NPL Volume	QoQ
1	JPMORGAN CHASE BANK NA	BANK	OH	$303M	+$167M
2	BANK OF AMERICA NA	BANK	NC	$251M	+$20M
3	TRUIST BANK	BANK	NC	$203M	+$73M
4	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	$172M	+$18M
5	BMO BANK NATIONAL ASSN	BANK	IL	$156M	-$27M
6	LIVE OAK BANKING CO	BANK	NC	$155M	+$4M
7	HUNTINGTON NATIONAL BANK	BANK	OH	$132M	+$79M
8	WELLS FARGO BANK NA	BANK	SD	$128M	+$1M
9	MANUFACTURERS&TRADERS TR CO	BANK	NY	$113M	-$8M
10	FIFTH THIRD BANK NA	BANK	OH	$110M	+$84M
40 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

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Rank	Institution	Source	State	NPL Volume	QoQ	Trend
11	TD BANK NATIONAL ASSN	BANK	DE	████	████	████
12	PROVIDENT BANK	BANK	NJ	████	████	████
13	FIRST HORIZON BANK	BANK	TN	████	████	████
14	OLD NATIONAL BANK	BANK	IN	████	████	████
15	U S BANK NATIONAL ASSN	BANK	OH	████	████	████
16	PNC BANK NATIONAL ASSN	BANK	DE	████	████	████
17	CELTIC BANK	BANK	UT	████	████	████
18	REGIONS BANK	BANK	AL	████	████	████
19	POPPY BANK	BANK	CA	████	████	████
20	CIBC BANK USA	BANK	IL	████	████	████
21	CROSS RIVER BANK	BANK	NJ	████	████	████
22	AMARILLO NATIONAL BANK	BANK	TX	████	████	████
23	CENTIER BANK	BANK	IN	████	████	████
24	BANC OF CALIFORNIA	BANK	CA	████	████	████
25	SOUTHSTATE BANK NA	BANK	FL	████	████	████
26	AMERANT BANK NATIONAL ASSN	BANK	FL	████	████	████
27	NEWTEK BANK NATIONAL ASSN	BANK	FL	████	████	████
28	ZIONS BCORP N A	BANK	UT	████	████	████
29	FIRST BANK OF THE LAKE	BANK	MO	████	████	████
30	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
31	FINWISE BANK	BANK	UT	████	████	████
32	SIGNATURE BANK	BANK	IL	████	████	████
33	BYLINE BANK	BANK	IL	████	████	████
34	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
35	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
36	BCORP BANK NATIONAL ASSN	BANK	SD	████	████	████
37	RENASANT BANK	BANK	MS	████	████	████
38	ENTERPRISE BANK&TRUST	BANK	MO	████	████	████
39	BANK OF HOPE	BANK	CA	████	████	████
40	STELLAR BANK	BANK	TX	████	████	████
41	MIDFIRST BANK	BANK	OK	████	████	████
42	PINNACLE BANK	BANK	TN	████	████	████
43	LINCOLN SAVINGS BANK	BANK	IA	████	████	████
44	CITY NATIONAL BANK	BANK	CA	████	████	████
45	FIRST FINANCIAL BANK	BANK	TX	████	████	████
46	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
47	BAYCOAST BANK	BANK	MA	████	████	████
48	BOKF NATIONAL ASSN	BANK	OK	████	████	████
49	SEACOAST NATIONAL BANK	BANK	FL	████	████	████
50	EASTERN BANK	BANK	MA	████	████	████

Methodology

This card ranks banks by absolute non-performing loan volume in each loan category — largest first, top 50. There is no minimum-dollar threshold; the per-category leaderboards naturally surface the largest banks in each segment. Field source: FFIEC Call Report Schedule RC-N per-category nonaccrual plus 90-days-past-due dollar columns, taken directly from the FFIEC Central Data Repository (CDR). The sibling Charge-Off Velocity card shows how fast a category is deteriorating; this card shows where the existing stock of problem loans sits.

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