In Q1 2026, 11 banks reported rising nonperforming loan ratios in CRE — commercial lending. BANK OF WASHINGTON in MO led the increases, with its ratio rising +21.7pp to 21.67%, followed by FIRST INDEPENDENCE BANK in MI at +7.9pp and CENTRAL TRUST BANK in MO at +5.5pp.

Rising NPLs by Category

Sorted by QoQ Δ NPL % ↓

Export CSV (Mastermind)

Rank	Institution	Source	State	QoQ Δ NPL %
1	BANK OF WASHINGTON	BANK	MO	+21.7
2	FIRST INDEPENDENCE BANK	BANK	MI	+7.9
3	CENTRAL TRUST BANK	BANK	MO	+5.5
4	CITY NATIONAL BANK	BANK	CA	+3.2
5	FIRST SECURITY BANK&TRUST CO	BANK	IA	+2.7
6	WEBSTER BANK NATIONAL ASSN	BANK	CT	+2.4
7	COMMUNITY STATE BANK	BANK	IN	+2.0
8	NEWTEK BANK NATIONAL ASSN	BANK	FL	+2.0
9	MECHANICS BANK	BANK	CA	+1.4
10	SECURITY STB OF WANAMINGO	BANK	MN	+0.8
1 more institutions match this list. Unlock metric values for every row, column sort, archives, and CSV export with Mastermind. Unlock with Mastermind

See 1 more →

Rank		Institution	Source	State	QoQ Δ NPL %	Trend
11		PROSPERITY BANK	BANK	TX	████	████

Methodology

This card ranks banks whose nonperforming-loan ratio for a specific CRE / 1-4 family residential category rose at least 0.5 percentage points (a minimum 0.005 quarter-over-quarter increase) and surfaces the top 50 by delta. For banks (FDIC-insured): per-category nonperforming ratio (rank axis) from the FDIC BankFind Suite financials endpoint (NCRER / NCCOMRER / NCRECONR / NCREMULR / NCRENRER / NCRERESR families). Supplementary per-category dollar columns (loan balance, nonperforming volume) — NEW in v2 — are aggregated from FFIEC Call Report Schedule RC-N per-leaf codes via the BankFind→CDR parent-child mapping: 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; re_residential ← RC-N 1.c.(1) RCON5399/RCON5400 + 1.e.(1) RCONF180/RCONF182 + 1.e.(2) RCONF181/RCONF183. The cre_non_residential BankFind parent has no exclusive CDR leaves (cre_non_owner_occupied is shared with cre_commercial), so its dollar columns remain null in the current schema. Cross-source disclaimer: ranking is BankFind-derived (ratio); supplementary dollar columns are CDR-direct. Banks where CDR is unavailable for the quarter render with ratio data only; the freshness state surfaces on detail pages via the BankFind-fallback pill. Methodology updated 2026-03-31: supplementary per-category dollar columns now source directly from FFIEC CDR Schedule RC-N. Prior quarters surfaced only the BankFind nonperforming ratio without dollar context. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

Learn more about Rising NPLs →