In Q4 2025, 50 institutions reported Texas Ratios above the 20% alert threshold. NANO BANC in CA led at 203.2%, having risen +98.3pp from the prior quarter, while the median ratio across flagged institutions stood at 77.2%.

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Rank	Institution	Source	State	Texas Ratio	QoQ
1	NANO BANC	BANK	CA	203.2%	+98.3
2	FIRST UNITY	CU	MS	180.3%	+141.0
3	NOTEWORTHY	CU	OH	179.3%	+156.1
4	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	161.1%	+92.4
5	METROPOLITAN CAPITAL B&T	BANK	IL	152.5%	+81.4
6	WEDEVELOPMENT	CU	MO	148.8%	+28.7
7	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	134.7%	+77.8
8	FARMERS STATE BANK	BANK	IL	122.9%	+25.4
9	CITIZENS CHOICE	CU	MS	121.3%	+63.4
10	NRS COMMUNITY DEVELOPMENT	CU	AL	119.3%	+17.6
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	Texas Ratio	QoQ	Trend
11	MIDFIRST BANK	BANK	OK	████	████	████
12	SYMPHONY	CU	MA	████	████	████
13	SIXTH AVENUE BAPTIST	CU	AL	████	████	████
14	KENTLAND FS&LA	BANK	IN	████	████	████
15	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
16	GRAND RIVERS COMMUNITY BANK	BANK	IL	████	████	████
17	COMMUNITY B&T WEST GEORGIA	BANK	GA	████	████	████
18	CIVIC	CU	NC	████	████	████
19	ST. ATHANASIUS	CU	IA	████	████	████
20	ENTERPRISE BANK	BANK	PA	████	████	████
21	FIRST STB OF RANDOLPH COUNTY	BANK	GA	████	████	████
22	CHESTERFIELD STATE BANK	BANK	IL	████	████	████
23	S H P E	CU	LA	████	████	████
24	GREATER NEVADA	CU	NV	████	████	████
25	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
26	WALDEN MUTUAL BANK	BANK	NH	████	████	████
27	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████	████
28	RED RIVER STATE BANK	BANK	MN	████	████	████
29	ISSAQUENA COUNTY	CU	MS	████	████	████
30	BRENTWOOD BAPTIST CHURCH	CU	TX	████	████	████
31	LEMONT NATIONAL BANK	BANK	IL	████	████	████
32	AKRON	CU	CO	████	████	████
33	CITY OF FAIRMONT	CU	WV	████	████	████
34	NORTH BAY	CU	CA	████	████	████
35	U.S. EAGLE	CU	NM	████	████	████
36	ALLNATIONS BANK	BANK	OK	████	████	████
37	CARVER FEDERAL SAVINGS BANK	BANK	NY	████	████	████
38	SORG BAY WEST	CU	OH	████	████	████
39	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
40	PEAR ORCHARD	CU	TX	████	████	████
41	BRANTWOOD	CU	WI	████	████	████
42	WEST MONROE	CU	LA	████	████	████
43	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
44	HAMILTON HORIZONS	CU	NJ	████	████	████
45	FIRST STB OF ROSEMOUNT	BANK	MN	████	████	████
46	CARTER BANK&TRUST	BANK	VA	████	████	████
47	GUERNSEY COMMUNITY	CU	WY	████	████	████
48	UNITY BANK	BANK	WI	████	████	████
49	HEALTHPLUS	CU	MS	████	████	████
50	SEATTLE BANK	BANK	WA	████	████	████

Methodology

The Texas Ratio compares nonperforming assets to loss-absorbing capital. A ratio at or above 20% indicates elevated stress. For banks (FDIC-insured): non-current loans — FFIEC Call Report Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403); OREO — Schedule RC-M item 3f (RCON2150 — RC-M items are RCON-only); equity term — Total equity (RCFD3210), acting as a proxy for tangible common equity which is not separately reported at this granularity; reserves — Allowance for credit losses (RCFD3123 / RCON3123, Schedule RC-R Part II item 6). For credit unions: 60+ days delinquent — NCUA ACCT_041B (direct aggregate, not sub-bucket sum); foreclosed real estate — NCUA ACCT_798; equity term — net worth ACCT_997; reserves — Allowance for loan losses ACCT_719. Cross-type comparability: bank "non-current" (90+ past due or nonaccrual) and CU "60+ delinquent" are LCD approximations, not equivalents. Methodology updated 2026-03-31: bank non-current loan volumes now source directly from FFIEC Call Report Schedule RC-N. Prior quarters used a BankFind ratio-derived approximation. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing.

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