Banks with the largest QoQ rise in 1-4 family residential nonperforming ratio
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
| Rank | Institution | Source | State | QoQ Δ NPL % | Trend | |
|---|---|---|---|---|---|---|
| 1 | SECURITY STB OF WARROAD | BANK | MN | +32.7 | ||
| 2 | LEAD BANK | BANK | MO | +22.6 | ||
| 3 | SMARTBIZ BANK NATIONAL ASSN | BANK | IL | +15.1 | ||
| 4 | FARMERS STATE BANK&TRUST CO | BANK | LA | +12.7 | ||
| 5 | FIRST FARMERS&MERCHANTS STB | BANK | MN | +11.6 | ||
| 6 | SOLON STATE BANK | BANK | IA | +8.5 | ||
| 7 | UNITED BANK OF PHILADELPHIA | BANK | PA | +7.7 | ||
| 8 | MERCHANTS&PLANTERS BANK | BANK | AR | +7.6 | ||
| 9 | BHM BANK | BANK | AL | +7.5 | ||
| 10 | PEOPLES BANK OF COMMERCE | BANK | OR | +7.3 | ||
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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.