In Q1 2026, nonperforming loans in CRE — construction rose across 50 reporting institutions, with SMALL BUSINESS BANK in KS reporting the largest quarterly increase at +40.4pp, reaching 67.62% of its construction loan portfolio. LOGAN STATE BANK in IA and FIRST SECURE BANK&TRUST CO in IL also posted significant sequential gains of +29.0pp and +25.2pp respectively.

Rising NPLs by Category

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Rank	Institution	Source	State	QoQ Δ NPL %
1	SMALL BUSINESS BANK	BANK	KS	+40.4
2	LOGAN STATE BANK	BANK	IA	+29.0
3	FIRST SECURE BANK&TRUST CO	BANK	IL	+25.2
4	BANK OF COUSHATTA	BANK	LA	+24.4
5	AMALGAMATED BANK	BANK	NY	+24.0
6	FIRST B&T CO OF ILLINOIS	BANK	IL	+18.0
7	FIRST STB SHANNON-POLO	BANK	IL	+17.5
8	FIRST SECURE STATE BANK	BANK	IL	+15.8
9	FARMERS STB OF OAKLEY KANSAS	BANK	KS	+15.4
10	CORNER STONE BANK	BANK	MO	+14.2
40 more institutions match this list. Unlock metric values for every row and column sort with Foundation. Unlock with Foundation

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Rank	Institution	Source	State	QoQ Δ NPL %	Trend
11	CITIZENS COMMUNITY BANK	BANK	IL	████	████
12	INTERNATIONAL BK OF COM	BANK	OK	████	████
13	FIRST FEDERAL CMTY BANK SSB	BANK	TX	████	████
14	FIRST NB OF ANDERSON	BANK	TX	████	████
15	CITIZENS BANK	BANK	AL	████	████
16	FIRST SECURE COMMUNITY BANK	BANK	IL	████	████
17	CONSTITUTION BANK NA	BANK	IL	████	████
18	CITY FIRST BANK NA	BANK	DC	████	████
19	KENDALL BANK	BANK	KS	████	████
20	IOWA STATE BANK	BANK	IA	████	████
21	BRENTWOOD BANK	BANK	PA	████	████
22	ROCHELLE STATE BANK	BANK	GA	████	████
23	EXCHANGE BANK	BANK	NE	████	████
24	BANK OF BRODHEAD	BANK	WI	████	████
25	IUKA STATE BANK	BANK	IL	████	████
26	ALERUS FINANCIAL NA	BANK	ND	████	████
27	FIRST NB OF WAUCHULA	BANK	FL	████	████
28	BOGOTA SAVINGS BANK	BANK	NJ	████	████
29	BANKGLOUCESTER	BANK	MA	████	████
30	FIRST VISION BANK OF TN	BANK	TN	████	████
31	MASON BANK	BANK	TX	████	████
32	MORGAN STANLEY BANK NA	BANK	UT	████	████
33	EARLHAM SAVINGS BANK	BANK	IA	████	████
34	REPUBLIC BANK OF CHICAGO	BANK	IL	████	████
35	FIRST NB OF SONORA	BANK	TX	████	████
36	FIRST NATIONAL BANK OF ANSON	BANK	TX	████	████
37	COMMERCIAL BANK OF CA	BANK	CA	████	████
38	STATE BANK&TRUST CO	BANK	IA	████	████
39	PINE COUNTRY BANK	BANK	MN	████	████
40	NATIONAL BANK OF ST ANNE	BANK	IL	████	████
41	AMERICAN BANK	BANK	LA	████	████
42	BLUESTONE BANK	BANK	MA	████	████
43	KISH BANK	BANK	PA	████	████
44	GREAT NORTH BANK	BANK	WI	████	████
45	FIRST FS&LA OF GREENSBURG	BANK	IN	████	████
46	HARVARD STATE BANK	BANK	IL	████	████
47	UNION BANK&TRUST CO	BANK	MN	████	████
48	BANK FIVE NINE	BANK	WI	████	████
49	CENTRAL BANK ILLINOIS	BANK	IL	████	████
50	FIRST STATE BANK MINNESOTA	BANK	MN	████	████

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.

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