Banks with the largest QoQ rise in CRE — non-residential nonperforming ratio
Banks whose nonperforming-loan ratio for a specific CRE or 1-4 family residential category rose quarter-over-quarter.
| Rank | Institution | Source | State | QoQ Δ NPL % | Trend | |
|---|---|---|---|---|---|---|
| 1 | ODIN STATE BANK | BANK | MN | +25.6 | ||
| 2 | RED RIVER STATE BANK | BANK | MN | +22.6 | ||
| 3 | PEOPLES STATE BANK OF WELLS | BANK | MN | +16.9 | ||
| 4 | EL DORADO SAVINGS BANK FSB | BANK | CA | +16.1 | ||
| 5 | FARMERS&MERCHANTS STB ALPHA | BANK | MN | +11.8 | ||
| 6 | FARMERS STB OF ALICEVILLE KS | BANK | KS | +11.2 | ||
| 7 | GENERATIONS BANK | BANK | NE | +10.8 | ||
| 8 | COMMUNITY BANK OF GEORGIA | BANK | GA | +10.2 | ||
| 9 | TRANSPECOS BANKS SSB | BANK | TX | +9.9 | ||
| 10 | STATE BANK OF TAUNTON | BANK | MN | +9.8 | ||
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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.