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 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 | ||
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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.