In Q4 2025, nonperforming loans in CRE — non-residential rose among 50 institutions tracked. BEAL BANK in TX posted the largest increase at +99.9pp, reaching 99.93%, followed by GENESIS BANK in MS with +43.1pp and NANO BANC in CA with +27.6pp.

Rising NPLs by Category

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Rank	Institution	Source	State	QoQ Δ NPL %
1	BEAL BANK	BANK	TX	+99.9
2	GENESIS BANK	BANK	MS	+43.1
3	NANO BANC	BANK	CA	+27.6
4	UNION BANK&TRUST CO	BANK	TN	+26.2
5	HIGHLAND STATE BANK	BANK	WI	+22.8
6	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	+22.6
7	BANK OF MOUNDVILLE	BANK	AL	+20.3
8	FIRST BANK	BANK	KS	+18.2
9	IUKA STATE BANK	BANK	IL	+16.0
10	ATASCOSA BANK	BANK	TX	+14.0
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	SNB BANK NATIONAL ASSN	BANK	OK	████	████
12	HOME FEDERAL BANK OF TN	BANK	TN	████	████
13	FARMERS STATE BANK	BANK	IL	████	████
14	LCA BANK CORP	BANK	UT	████	████
15	STATE BANK OF NAUVOO	BANK	IL	████	████
16	TECUMSEH FEDERAL BANK	BANK	NE	████	████
17	BUCKLEY STATE BANK	BANK	IL	████	████
18	UNITED COMMUNITY BANK	BANK	MN	████	████
19	FIRST BANK&TRUST CO	BANK	NE	████	████
20	EAGLE BANK	BANK	MN	████	████
21	BANK OF PROTECTION	BANK	KS	████	████
22	BANK OF HOLYROOD	BANK	KS	████	████
23	FIRST STB OF CAMPBELL HILL	BANK	IL	████	████
24	FIRST STATE B&T CO INC	BANK	MO	████	████
25	FIRST NB&T CO OF BOTTINEAU	BANK	ND	████	████
26	FIRST NB OF DOZIER	BANK	AL	████	████
27	AMERISTATE BANK	BANK	OK	████	████
28	CITIZENS STB OF LULING	BANK	TX	████	████
29	DEARBORN FSB	BANK	MI	████	████
30	PEOPLES BANK&TRUST CO	BANK	OK	████	████
31	FIRST SECURITY BANK WEST	BANK	ND	████	████
32	WANDA STATE BANK	BANK	MN	████	████
33	WATERMAN STATE BANK	BANK	IL	████	████
34	FIRST CAPITAL BANK	BANK	TX	████	████
35	PEOPLES STATE BANK	BANK	TX	████	████
36	CLINTON NATIONAL BANK	BANK	IA	████	████
37	SECURITY BANK OF CRAWFORD	BANK	TX	████	████
38	MOUNT VERNON BANK	BANK	GA	████	████
39	FIRST SECURITY BK DEER LODGE	BANK	MT	████	████
40	DALHART FS&LA SSB	BANK	TX	████	████
41	PEOPLES B&T CO OF HAZARD	BANK	KY	████	████
42	RIVERBANK	BANK	AR	████	████
43	FIRST NB OF PETERSTOWN	BANK	WV	████	████
44	PEOPLES BANK OF DEER LODGE	BANK	MT	████	████
45	HOMETOWN BANK	BANK	MA	████	████
46	CALDWELL BANK&TRUST CO	BANK	LA	████	████
47	FIRST STATE BANK	BANK	OK	████	████
48	BANK OF NEW GLARUS	BANK	WI	████	████
49	FIDELITY COOP BANK	BANK	MA	████	████
50	CITIZENS NB OF CHEBOYGAN	BANK	MI	████	████

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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