In Q4 2025, nonperforming loans in CRE — multifamily rose among 50 institutions tracked, with BANK OF YATES CITY (IL) reaching 100.00% nonperforming volume after a +100.0pp increase. CITIZENS INDEPENDENT BANK (MN) and APEX BANK (TN) also posted sequential gains of +64.9pp and +44.1pp respectively.

Rising NPLs by Category

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Rank	Institution	Source	State	QoQ Δ NPL %
1	BANK OF YATES CITY	BANK	IL	+100.0
2	CITIZENS INDEPENDENT BANK	BANK	MN	+64.9
3	APEX BANK	BANK	TN	+44.1
4	BANK OF LABOR	BANK	KS	+31.2
5	AMERICAN STATE BANK	BANK	TX	+30.9
6	WARSAW FS&LA	BANK	OH	+26.2
7	COMMUNITY FIRST BANK	BANK	MN	+25.0
8	GREAT PLAINS NATIONAL BANK	BANK	OK	+22.4
9	BANKPACIFIC LTD	BANK	GU	+20.4
10	CENTURY BANK	BANK	NM	+17.5
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	MICRONESIA	BANK	FM	████	████
12	FIRST NM BANK LAS CRUCES	BANK	NM	████	████
13	SOMERSET TRUST CO	BANK	PA	████	████
14	HIBERNIA BANK	BANK	LA	████	████
15	FIRST COMMUNITY BANK OF TN	BANK	TN	████	████
16	LIFESTORE BANK	BANK	NC	████	████
17	TIB THE IND BANKERSBANK NA	BANK	TX	████	████
18	CROSS COUNTY BANK	BANK	AR	████	████
19	MIDWEST BANKCENTRE	BANK	MO	████	████
20	PARK STATE BANK	BANK	MN	████	████
21	MAIN STREET BANK	BANK	MA	████	████
22	STRIDE BANK NATIONAL ASSN	BANK	OK	████	████
23	MADISON VALLEY BANK	BANK	MT	████	████
24	METROPOLITAN BANK	BANK	CA	████	████
25	CTBC BANK CORP USA	BANK	CA	████	████
26	MIDLAND STATES BANK	BANK	IL	████	████
27	MANASQUAN BANK	BANK	NJ	████	████
28	CFSBANK	BANK	PA	████	████
29	SSB BANK	BANK	PA	████	████
30	LEAD BANK	BANK	MO	████	████
31	MUTUALONE BANK	BANK	MA	████	████
32	RELYANCE BANK NATIONAL ASSN	BANK	AR	████	████
33	TRI-COUNTY BANK	BANK	MI	████	████
34	PREFERRED BANK	BANK	CA	████	████
35	MODERN BANK NATIONAL ASSN	BANK	NY	████	████
36	FIRST UNITED BANK&TRUST CO	BANK	OK	████	████
37	MARION BANK&TRUST CO	BANK	AL	████	████
38	ALERUS FINANCIAL NA	BANK	ND	████	████
39	CIVISTA BANK	BANK	OH	████	████
40	UNION COUNTY SAVINGS BANK	BANK	NJ	████	████
41	HONDO NATIONAL BANK	BANK	TX	████	████
42	PLATTE VALLEY BANK	BANK	NE	████	████
43	FRANKLIN SAVINGS BANK	BANK	ME	████	████
44	ATLANTIC UNION BANK	BANK	VA	████	████
45	OLD MISSOURI BANK	BANK	MO	████	████
46	CARVER FEDERAL SAVINGS BANK	BANK	NY	████	████
47	METROPOLITAN COMMERCIAL BANK	BANK	NY	████	████
48	NORTH SIDE FS&LA OF CHICAGO	BANK	IL	████	████
49	LINDELL BANK&TRUST CO	BANK	MO	████	████
50	FIRST NB OF DECATUR COUNTY	BANK	GA	████	████

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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