In Q2 2026, 50 institutions reported nonperforming 1-4 family residential loans. SECURITY STATE BANK in SD led with a +45.2pp increase to 45.20%, followed by LAMONT BANK OF ST JOHN in WA at +25.6pp to 25.62%.

Rising NPLs by Category

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Rank	Institution	Source	State	QoQ Δ NPL %
1	SECURITY STATE BANK	BANK	SD	+45.2
2	LAMONT BANK OF ST JOHN	BANK	WA	+25.6
3	CORN GROWERS STATE BANK	BANK	NE	+13.0
4	NATIONAL BANK OF ANDREWS	BANK	TX	+10.8
5	CAPITOL NATIONAL BANK	BANK	MI	+9.0
6	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	+8.8
7	POCAHONTAS STATE BANK	BANK	IA	+8.3
8	FIRST PROGRESSIVE BANK	BANK	AL	+8.1
9	BERKSHIRE BANK	BANK	NY	+7.9
10	FIRST STATE BANK OF ST PETER	BANK	IL	+6.9
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	RIVERBANK	BANK	AR	████	████
12	BRAZOS NATIONAL BANK	BANK	TX	████	████
13	FARMERS STATE BANK	BANK	KS	████	████
14	COWBOY BANK OF TEXAS	BANK	TX	████	████
15	SCOTTSDALE COMMUNITY BANK	BANK	AZ	████	████
16	TRIUMPH STATE BANK	BANK	MN	████	████
17	UNION STATE BANK	BANK	AL	████	████
18	FARMERS STB OF ALTO PASS ILL	BANK	IL	████	████
19	CITIZENS PROGRESSIVE BANK	BANK	LA	████	████
20	CHESTERFIELD STATE BANK	BANK	IL	████	████
21	NEWTEK BANK NATIONAL ASSN	BANK	FL	████	████
22	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████
23	COMMUNITY STB OF CANTON	BANK	OK	████	████
24	DOZIER BANK	BANK	AL	████	████
25	HUNTINGDON SAVINGS BANK	BANK	PA	████	████
26	FIRST PORT CITY BANK	BANK	GA	████	████
27	CITIZENS STB NORWOOD YOUNG A	BANK	MN	████	████
28	BANK OF ERATH	BANK	LA	████	████
29	MERCHANTS&FARMERS BK GREENE	BANK	AL	████	████
30	EASTERN SAVINGS BANK FSB	BANK	MD	████	████
31	FARMERS STATE BANK	BANK	IL	████	████
32	SILEX BANKING CO	BANK	MO	████	████
33	COMMERCIAL STATE BANK	BANK	TX	████	████
34	INTEGRO BANK	BANK	AZ	████	████
35	CITIZENS BANK&TRUST CO	BANK	MS	████	████
36	FINWISE BANK	BANK	UT	████	████
37	COMMERCIAL CAPITAL BANK	BANK	LA	████	████
38	FIDELITY STATE BANK&TRUST CO	BANK	KS	████	████
39	CARSON COMMUNITY BANK	BANK	OK	████	████
40	COMMUNITY STATE BANK	BANK	IA	████	████
41	FIRST STATE BANK	BANK	TX	████	████
42	OUTDOOR BANK	BANK	KS	████	████
43	PATTERSON STATE BANK	BANK	LA	████	████
44	PHELPS COUNTY BANK	BANK	MO	████	████
45	CONCORDE BANK	BANK	MN	████	████
46	UNITED BANKERS BANK	BANK	MN	████	████
47	FIRST BANK OF COASTAL GA	BANK	GA	████	████
48	COVINGTON COUNTY BANK	BANK	MS	████	████
49	FOWLER STATE BANK	BANK	CO	████	████
50	EAGLE ROCK BANK	BANK	MN	████	████

Methodology

This card ranks banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose at least 0.5 percentage points (0.005) quarter-over-quarter, and surfaces the top 50 by that rise. For banks (FDIC-insured): the per-category nonperforming ratio used for ranking comes from FDIC BankFind financial data (the NCRER / NCCOMRER / NCRECONR / NCREMULR / NCRENRER / NCRERESR families). The supporting dollar columns (loan balance, nonperforming volume) come from FFIEC Call Report Schedule RC-N, adding up the Call Report lines behind each BankFind category: CRE — commercial ← RC-N 1.c.(2)(a) RCONC237/RCONC229 + 1.c.(2)(b) RCONC239/RCONC230; CRE — construction ← RC-N 1.a.(1) RCONF174/RCONF176 + 1.a.(2) RCONF175/RCONF177; CRE — multifamily ← RC-N 1.d RCON3500/RCON3501; 1-4 family residential ← RC-N 1.c.(1) RCON5399/RCON5400 + 1.e.(1) RCONF180/RCONF182 + 1.e.(2) RCONF181/RCONF183. CRE — non-residential has no Call Report lines of its own (its non-owner-occupied loans are already counted under CRE — commercial), so its dollar columns are left blank. Source note: the ranking uses the BankFind ratio; the dollar columns come straight from the bank's filing in the FFIEC Central Data Repository (CDR). When a bank's CDR filing isn't available for the quarter, it shows the ratio only, and its detail page notes that it is using BankFind data. Methodology updated 2026-03-31: the per-category dollar columns now come directly from FFIEC CDR Schedule RC-N. Earlier quarters showed only the BankFind nonperforming ratio, without dollar amounts. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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