In Q4 2025, nonperforming loans in CRE — construction rose across 50 institutions tracked. COLUMBIA SAVINGS&LOAN ASSN (WI) saw the largest increase at +100.0pp, reaching 100.00% of its portfolio, followed by FIRST NB OF NEVADA MISSOURI (MO) at +57.1pp.

Rising NPLs by Category

Sorted by QoQ Δ NPL % ↓

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Rank	Institution	Source	State	QoQ Δ NPL %
1	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	+100.0
2	FIRST NB OF NEVADA MISSOURI	BANK	MO	+57.1
3	BERKSHIRE BANK	BANK	NY	+45.4
4	MERCHANTS&FARMERS BANK	BANK	MS	+42.1
5	NORTHEAST MISSOURI STB	BANK	MO	+36.4
6	FIRST CENTRAL BANK	BANK	NE	+35.7
7	CLINTON BANK	BANK	KY	+30.2
8	BANK OF MILTON	BANK	WI	+20.2
9	BRENTWOOD BANK	BANK	PA	+19.2
10	UNION BANK&TRUST CO	BANK	MN	+18.7
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	ST LANDRY BANK&TRUST CO	BANK	LA	████	████
12	PINNACLE BANK INC	BANK	KY	████	████
13	FIRST GENERAL BANK	BANK	CA	████	████
14	PEOPLES BANK OF KENTUCKY INC	BANK	KY	████	████
15	CITIZENS B&T CO OF JACKSON	BANK	KY	████	████
16	FIRST CENTRAL BANK MCCOOK	BANK	NE	████	████
17	ANB BANK	BANK	CO	████	████
18	MIDWEST REGIONAL BANK	BANK	MO	████	████
19	SMACKOVER STATE BANK	BANK	AR	████	████
20	FIRST NB OF MCGREGOR	BANK	TX	████	████
21	FIRST SECURITY BK DEER LODGE	BANK	MT	████	████
22	CENTREVILLE BANK	BANK	RI	████	████
23	HERITAGE BANK OF THE OZARKS	BANK	MO	████	████
24	FARMERS&MERCHANTS NB NASHVIL	BANK	IL	████	████
25	GREAT NORTH BANK	BANK	WI	████	████
26	AVIDBANK	BANK	CA	████	████
27	WESTERN BANK	BANK	TX	████	████
28	COMMERCIAL STATE BANK	BANK	TX	████	████
29	CONGRESSIONAL BANK	BANK	MD	████	████
30	NATIONAL CAPITAL BANK OF WA	BANK	DC	████	████
31	COMMERCE BANK TEXAS	BANK	TX	████	████
32	COMMERCE NATIONAL BANK&TRUST	BANK	FL	████	████
33	FAHEY BANKING CO	BANK	OH	████	████
34	READING COOP BANK	BANK	MA	████	████
35	HERITAGE COMMUNITY BANK	BANK	MO	████	████
36	MOVEMENT BANK	BANK	VA	████	████
37	FIDELITY COOP BANK	BANK	MA	████	████
38	CITIZENS DEP BK ARLINGTON	BANK	KY	████	████
39	OHIO VALLEY BANK CO	BANK	OH	████	████
40	MOODY NATIONAL BANK	BANK	TX	████	████
41	STARION BANK	BANK	ND	████	████
42	AMERICAN SAVINGS BANK FSB	BANK	HI	████	████
43	BANK OF LOUISIANA	BANK	LA	████	████
44	CONCORDE BANK	BANK	MN	████	████
45	BOGOTA SAVINGS BANK	BANK	NJ	████	████
46	FIRST BUSINESS BANK	BANK	WI	████	████
47	MARION STATE BANK	BANK	TX	████	████
48	FIRST STB OF THE SOUTH INC	BANK	AL	████	████
49	BANK OF WESTON	BANK	MO	████	████
50	BUFFALO FEDERAL BANK	BANK	WY	████	████

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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