Banks that inherited the largest distressed loan portfolios via recent acquisitions

Methodology

This card ranks active banks that absorbed another institution within the last 24 months (lookback window: 24 months from the most recent FDIC closures sweep) by the inherited nonperforming loan volume — the acquired bank's last reported nonperforming loan dollar figure prior to close (FDIC Call Report, nonperforming volume = sum of 90+ days past due and nonaccrual balances). The closure data comes from FDIC BankFind /banks/institutions (ACTIVE=0 with ENDEFYMD in the window); closure types include mergers (FDIC change codes 220-229), voluntary liquidations (230-249), and failures (410-419). Acquirer linkage is resolved via NEWCERT (immediate successor) and ULTCERT (ultimate holding successor). An acquirer inherits the seller's full loan portfolio at close — including loans that fall outside the acquirer's own underwriting box. Within 12-24 months, those inherited loans often surface as forced NPL sales as the acquirer rationalizes the book. Ranking by inherited nonperforming volume surfaces the acquirers most likely to liquidate distressed inventory in the near term.

Learn more about Recent Acquirers →