50 institutions reported quarter-over-quarter OREO growth above the minimum threshold in Q2 2026. Top by rank: KEY COMMUNITY BANK (MN, 1.5%), TOWN CENTER BANK (IL, 1.3%), MINT NATIONAL BANK (TX, 1.3%).

OREO Accumulators

Sorted by QoQ Δ OREO/Assets ↓

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Rank	Institution	Source	State	QoQ Δ OREO/Assets
1	KEY COMMUNITY BANK	BANK	MN	+1.5
2	TOWN CENTER BANK	BANK	IL	+1.3
3	MINT NATIONAL BANK	BANK	TX	+1.3
4	ANDOVER STATE BANK	BANK	KS	+1.2
5	FIRST SECURITY BK DEER LODGE	BANK	MT	+1.2
6	PROGRESSIVE OZARK BANK	BANK	MO	+1.2
7	UNITY BANK OF MISSISSIPPI	BANK	MS	+1.2
8	HERITAGE COMMUNITY BANK	BANK	MO	+1.2
9	SECURITY STATE BANK	BANK	TX	+1.2
10	STATE BANK	BANK	IL	+1.1
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	QoQ Δ OREO/Assets	Trend
11	FIRST STB OF POND CREEK OK	BANK	OK	████	████
12	PINNACLE BANK	BANK	IA	████	████
13	RED RIVER	CU	OK	████	████
14	METROPOLITAN BANK	BANK	CA	████	████
15	FARMERS&MECHANICS FSB	BANK	IN	████	████
16	STATE BANK OF FARIBAULT	BANK	MN	████	████
17	SECURITY FIRST BANK OF ND	BANK	ND	████	████
18	AMERICAN BROADCAST EMPLOYEES	CU	NY	████	████
19	TRUSTBANK	BANK	IL	████	████
20	COVINGTON COUNTY BANK	BANK	MS	████	████
21	CLINTON SAVINGS BANK	BANK	MA	████	████
22	LEGENDS WEST BANK	BANK	NE	████	████
23	BANK OF NEW ENGLAND	BANK	NH	████	████
24	LOWER EAST SIDE PEOPLE'S	CU	NY	████	████
25	YNB	BANK	OK	████	████
26	FIRST CENTRAL SAVINGS BANK	BANK	NY	████	████
27	CITIZENS BANK OF CLOVIS	BANK	NM	████	████
28	BANKERS BANK	BANK	WI	████	████
29	VISIONBANK	BANK	MN	████	████
30	AMERICAN HERITAGE	CU	PA	████	████
31	VILLAGE BANK	BANK	MN	████	████
32	COLORAMO	CU	CO	████	████
33	SECURITY STATE BANK	BANK	TX	████	████
34	FIRST STATE BANK&TRUST	BANK	KS	████	████
35	GN BANK	BANK	IL	████	████
36	CENTRAL BANK	BANK	AR	████	████
37	CEDAR VALLEY BANK&TRUST	BANK	IA	████	████
38	FARMERS&MERCHANTS BANK	BANK	WI	████	████
39	HOMELAND FSB	BANK	LA	████	████
40	FIRST FREEDOM BANK	BANK	TN	████	████
41	HERCULES FIRST	CU	UT	████	████
42	CITIZENS STATE BANK	BANK	TX	████	████
43	5STAR BANK	BANK	CO	████	████
44	FARMERS BANK	BANK	TN	████	████
45	HURON COMMUNITY BANK	BANK	MI	████	████
46	PINNACLE BANK	BANK	CA	████	████
47	ROYAL BUSINESS BANK	BANK	CA	████	████
48	CPORT	CU	ME	████	████
49	BANKHOMETOWN	BANK	MA	████	████
50	KENNETT TRUST BANK	BANK	MO	████	████

Methodology

Other Real Estate Owned (OREO) is property an institution has taken onto its balance sheet through foreclosure or deed-in-lieu, held pending sale. A rising OREO balance is a late-cycle stress signal — workouts that have finished the foreclosure process and turned into property the institution must now sell. This card ranks banks and credit unions together by the quarter-over-quarter change in OREO as a share of total assets, and surfaces the top 50 whose share rose at least 0.001 (0.1 percentage points). For banks (FDIC-insured): OREO — FFIEC Call Report Schedule RC-M item 3f (RCON2150; RC-M items are reported on the RCON basis only); total assets denominator — Schedule RC (RCFD2170 / RCON2170). For credit unions: foreclosed and repossessed commercial assets (NCUA ACCT_AS0022) plus consumer real estate (ACCT_AS0023), excluding repossessed vehicles and other consumer assets; total assets denominator — NCUA ACCT_010. Comparing banks with credit unions: bank OREO and credit-union foreclosed real estate are broadly analogous — both capture property held after foreclosure — but bank Schedule RC-M item 3f also includes former bank premises and other repossessed real estate that credit unions report in separate accounts. Quarter-over-quarter changes are comparable; point-in-time totals are approximate. Methodology updated 2026-03-31: bank OREO balances now come directly from FFIEC Call Report Schedule RC-M item 3f (RCON2150). Earlier quarters used the ORE fields in FDIC BankFind financial data. The two should agree within tolerance; this changes the source, not the reported values. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing. Methodology updated 2026-09-27: credit-union foreclosed real estate now comes from NCUA's foreclosed-asset detail (ACCT_AS0022 + ACCT_AS0023). Earlier snapshots read ACCT_798, which NCUA no longer populates, so credit unions showed none.

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