Nonperforming loans in 1-4 family residential rose across 50 institutions in Q4 2025, with INTEGRO BANK in AZ reporting the highest ratio at 21.63%, up +21.6pp from the prior quarter. SECURITY STATE BANK and LCA BANK CORP followed with ratios of 17.16% and 12.64%, respectively.

Rising NPLs by Category

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	INTEGRO BANK	BANK	AZ	+21.6
2	SECURITY STATE BANK	BANK	SD	+17.2
3	LCA BANK CORP	BANK	UT	+12.6
4	DICKINSON COUNTY BANK	BANK	KS	+11.5
5	FARMERS STATE BANK OF MEDORA	BANK	IL	+8.1
6	FINWISE BANK	BANK	UT	+7.5
7	SMALL BUSINESS BANK	BANK	KS	+7.3
8	CHESTERFIELD STATE BANK	BANK	IL	+6.6
9	MIDFIRST BANK	BANK	OK	+5.7
10	CITIZENS BANK&TRUST CO	BANK	LA	+5.5
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 NPL %	Trend
11	FIRST PROGRESSIVE BANK	BANK	AL	████	████
12	WOODLANDS NATIONAL BANK	BANK	MN	████	████
13	NEW OMNI BANK NATIONAL ASSN	BANK	CA	████	████
14	FIRST NB OF HEBBRONVILLE	BANK	TX	████	████
15	TRIAD BANK NATIONAL ASSN	BANK	OK	████	████
16	STATE BANK	BANK	IN	████	████
17	HOLLADAY BANK&TRUST	BANK	UT	████	████
18	ANTHEM BANK&TRUST	BANK	LA	████	████
19	FARMERS BANK OF MT PULASKI	BANK	IL	████	████
20	COMMUNITY STB OF CANTON	BANK	OK	████	████
21	TABLE GROVE STATE BANK	BANK	IL	████	████
22	PEOPLES CMTY BK SB MONTICELL	BANK	IN	████	████
23	CYPRESS BANK SSB	BANK	TX	████	████
24	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████
25	PEOPLES BANK OF RED LEVEL	BANK	AL	████	████
26	MCBANK	BANK	TX	████	████
27	MANUFACTURERS BANK	BANK	CA	████	████
28	GREENFIELD BANKING CO	BANK	TN	████	████
29	FIRST NM BANK LAS CRUCES	BANK	NM	████	████
30	FIRST SECURE BANK&TRUST CO	BANK	IL	████	████
31	STATE BANK OF COLD SPRING	BANK	MN	████	████
32	CORNERSTONE CAPITAL BANK SSB	BANK	TX	████	████
33	DALLAS CAPITAL BANK NA	BANK	TX	████	████
34	CHICKASAW COMMUNITY BANK	BANK	OK	████	████
35	GATEWAY FIRST BANK	BANK	OK	████	████
36	FARMERS&MERCHANTS BANK	BANK	GA	████	████
37	LAUDERDALE COUNTY BANK	BANK	TN	████	████
38	BANK OF HOUSTON	BANK	MO	████	████
39	UNION BANK INC	BANK	WV	████	████
40	LAKESIDE BANK OF SALINA	BANK	OK	████	████
41	TEXAS BANK	BANK	TX	████	████
42	ALVA STATE BANK&TRUST CO	BANK	OK	████	████
43	FARMERS TRUST&SAVINGS BANK	BANK	IA	████	████
44	INTEGRITY BANK PLUS	BANK	MN	████	████
45	FIRST STATE BANK OF DECATUR	BANK	MI	████	████
46	INFINITY BANK	BANK	CA	████	████
47	AMERICAN CMTY BANK OF IN	BANK	IN	████	████
48	FOUR COUNTY BANK	BANK	GA	████	████
49	SEATTLE BANK	BANK	WA	████	████
50	HORIZON FINANCIAL BANK	BANK	ND	████	████

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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