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.

Q2 202650 institutions (archived snapshot)

In Q2 2026, 50 institutions reported nonperforming loans in the owner-occupied commercial real estate category. BANK OF AMERICA NA led with $280M in nonperforming volume, followed by JPMORGAN CHASE BANK NA at $199M and LIVE OAK BANKING CO at $179M.

NPL Volume Leaders by Category

Sorted by NPL Volume ↓

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Rank	Institution	Source	State	NPL Volume	QoQ
1	BANK OF AMERICA NA	BANK	NC	$280M	+$29M
2	JPMORGAN CHASE BANK NA	BANK	OH	$199M	-$104M
3	LIVE OAK BANKING CO	BANK	NC	$179M	+$24M
4	TRUIST BANK	BANK	NC	$157M	-$46M
5	FIRST-CITIZENS BANK&TRUST CO	BANK	NC	$153M	-$19M
6	HUNTINGTON NATIONAL BANK	BANK	OH	$133M	+$788K
7	WELLS FARGO BANK NA	BANK	SD	$132M	+$4M
8	BMO BANK NATIONAL ASSN	BANK	IL	$130M	-$26M
9	MANUFACTURERS&TRADERS TR CO	BANK	NY	$111M	-$2M
10	CELTIC BANK	BANK	UT	$89M	+$30M
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	PROVIDENT BANK	BANK	NJ	████	████	████
12	TD BANK NATIONAL ASSN	BANK	DE	████	████	████
13	FIFTH THIRD BANK NA	BANK	OH	████	████	████
14	PNC BANK NATIONAL ASSN	BANK	DE	████	████	████
15	FIRST HORIZON BANK	BANK	TN	████	████	████
16	U S BANK NATIONAL ASSN	BANK	OH	████	████	████
17	POPPY BANK	BANK	CA	████	████	████
18	AMARILLO NATIONAL BANK	BANK	TX	████	████	████
19	OLD NATIONAL BANK	BANK	IN	████	████	████
20	REGIONS BANK	BANK	AL	████	████	████
21	NEWTEK BANK NATIONAL ASSN	BANK	FL	████	████	████
22	CIBC BANK USA	BANK	IL	████	████	████
23	ZIONS BCORP N A	BANK	UT	████	████	████
24	SOUTHSTATE BANK NA	BANK	FL	████	████	████
25	BANC OF CALIFORNIA	BANK	CA	████	████	████
26	CITIZENS BANK NATIONAL ASSN	BANK	RI	████	████	████
27	CENTIER BANK	BANK	IN	████	████	████
28	AMERANT BANK NATIONAL ASSN	BANK	FL	████	████	████
29	EAST WEST BANK	BANK	CA	████	████	████
30	ENTERPRISE BANK&TRUST	BANK	MO	████	████	████
31	FIRST BANK OF THE LAKE	BANK	MO	████	████	████
32	FLAGSTAR BANK NATIONAL ASSN	BANK	NY	████	████	████
33	MERCHANTS BANK OF INDIANA	BANK	IN	████	████	████
34	FULTON BANK NATIONAL ASSN	BANK	PA	████	████	████
35	MIDFIRST BANK	BANK	OK	████	████	████
36	KEYBANK NATIONAL ASSN	BANK	OH	████	████	████
37	CATHAY BANK	BANK	CA	████	████	████
38	BCORP BANK NATIONAL ASSN	BANK	SD	████	████	████
39	HSBC BANK USA NATIONAL ASSN	BANK	VA	████	████	████
40	BYLINE BANK	BANK	IL	████	████	████
41	BOKF NATIONAL ASSN	BANK	OK	████	████	████
42	CROSS RIVER BANK	BANK	NJ	████	████	████
43	COLUMBIA BANK	BANK	OR	████	████	████
44	LINCOLN SAVINGS BANK	BANK	IA	████	████	████
45	CITY NATIONAL BANK	BANK	CA	████	████	████
46	VALLEY NATIONAL BANK	BANK	NJ	████	████	████
47	FIRST FINANCIAL BANK	BANK	TX	████	████	████
48	STELLAR BANK	BANK	TX	████	████	████
49	WEBSTER BANK NATIONAL ASSN	BANK	CT	████	████	████
50	FINWISE BANK	BANK	UT	████	████	████

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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