50 institutions held an allowance below the coverage threshold relative to their nonperforming-loan balance in Q2 2026. Top by rank: LOCAL 697 (IN, 3.4%), MIDFIRST BANK (OK, 3.5%), ENTERPRISE BANK (PA, 5.1%).

Under-Reserved Lenders

Sorted by Allowance Coverage ↑

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Rank	Institution	Source	State	Allowance Coverage	QoQ
1	LOCAL 697	CU	IN	3.4%	-0.1
2	MIDFIRST BANK	BANK	OK	3.5%	+0.1
3	ENTERPRISE BANK	BANK	PA	5.1%	+0.2
4	HILL DISTRICT	CU	PA	5.5%	-11.6
5	QUONTIC BANK	BANK	NY	5.6%	-0.2
6	MONET BANK	BANK	TX	5.7%	+2.2
7	CONSTRUCTION	CU	MI	6.4%	-359.2
8	GN BANK	BANK	IL	6.9%	-1.7
9	ST. MICHAELS FALL RIVER	CU	MA	7.1%	-6.4
10	BEEHIVE	CU	ID	7.1%	-5.9
40 more institutions match this list. Unlock metric values for every row and column sort with membership. Unlock with membership

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Rank	Institution	Source	State	Allowance Coverage	QoQ	Trend
11	PORT WASHINGTON	CU	NY	████	████	████
12	NIKKEI	CU	CA	████	████	████
13	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	████	████	████
14	BOGOTA SAVINGS BANK	BANK	NJ	████	████	████
15	FIRST UNITY	CU	MS	████	████	████
16	HOME SAVINGS BANK FSB	BANK	KY	████	████	████
17	WELLS FARGO BANK S CNTL NA	BANK	TX	████	████	████
18	UTICA GAS & ELECTRIC EMP	CU	NY	████	████	████
19	CHESTERFIELD STATE BANK	BANK	IL	████	████	████
20	NORTHPOINTE BANK	BANK	MI	████	████	████
21	TRANSPECOS BANKS SSB	BANK	TX	████	████	████
22	B.O.N.D. COMMUNITY	CU	GA	████	████	████
23	UNITED BANK OF PHILADELPHIA	BANK	PA	████	████	████
24	O.A.S. STAFF	CU	DC	████	████	████
25	BARRINGTON B&T CO NA	BANK	IL	████	████	████
26	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
27	BHM BANK	BANK	AL	████	████	████
28	PREFERRED BANK	BANK	IL	████	████	████
29	FIRST FS&LA OF VAN WERT	BANK	OH	████	████	████
30	LAMONT BANK OF ST JOHN	BANK	WA	████	████	████
31	PUGET SOUND COOPERATIVE	CU	WA	████	████	████
32	PEOPLES SAVINGS&LOAN CO	BANK	OH	████	████	████
33	CROWN BANK	BANK	NJ	████	████	████
34	EPB EMPLOYEES	CU	TN	████	████	████
35	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
36	BROOKLYN COOPERATIVE	CU	NY	████	████	████
37	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
38	WASHITA VALLEY BANK	BANK	OK	████	████	████
39	NANO BANC	BANK	CA	████	████	████
40	GARFIELD COUNTY BANK	BANK	MT	████	████	████
41	CORNERSTONE CAPITAL BANK SSB	BANK	TX	████	████	████
42	POLAM	CU	CA	████	████	████
43	TOUCHMARK NATIONAL BANK	BANK	GA	████	████	████
44	TEXAS ADVANTAGE CMTY BANK NA	BANK	TX	████	████	████
45	OLD GLORY BANK	BANK	OK	████	████	████
46	FAMILY FOCUS	CU	NE	████	████	████
47	OCEAN STATE	CU	RI	████	████	████
48	ASSEMBLIES OF GOD	CU	MO	████	████	████
49	GATEWAY FIRST BANK	BANK	OK	████	████	████
50	HEADWATERS STATE BANK	BANK	WI	████	████	████

Methodology

Allowance coverage of nonperforming loans is an institution's loss allowance (Allowance for Credit Losses / ALLL) divided by its nonperforming-loan balance. Coverage below 100% means the existing reserve cannot fully absorb the problem loans already identified — further deterioration flows straight through earnings and capital. This card ranks banks and credit unions together, lowest coverage first, and surfaces the top 50 whose coverage is at or below 50% (0.5) and whose nonperforming loans total at least $1,000,000 — a floor that filters out small portfolios where tiny denominators produce noisy ratios. For banks (FDIC-insured): allowance — FFIEC Call Report Schedule RC-R Part II item 6, Allowance for credit losses (RCFD3123 / RCON3123); nonperforming volume — Schedule RC-N line 9, 90+ days past due col B (RCFD1407 / RCON1407) plus nonaccrual col C (RCFD1403 / RCON1403). For credit unions: allowance for credit losses on loans and leases — NCUA ACCT_AS0048 (CECL), or ACCT_719 for credit unions not on CECL; 60+ days delinquent — NCUA ACCT_041B. Comparing banks with credit unions: bank "non-current" loans (90+ days past due or nonaccrual) and credit-union "60+ days delinquent" loans are the closest measures the two filings share, not exact equivalents. Methodology updated 2026-03-31: the bank nonperforming-loan figure now comes directly from FFIEC Call Report Schedule RC-N. Earlier quarters used an approximation derived from BankFind ratios. Read the methodology update note at /blog/npl-explorer-fdic-cdr-direct-sourcing. Methodology updated 2026-09-27: credit-union allowances now come from the CECL account (ACCT_AS0048). Earlier snapshots read only ACCT_719, which CECL adopters report as zero, so they showed near-zero coverage for most credit unions. Methodology updated 2026-09-28: institutions that report no allowance are excluded. These are mostly U.S. branches of foreign banks, which hold loss reserves at the parent bank rather than in the branch. Banks holding large volumes of government-guaranteed mortgages (such as loans repurchased from Ginnie Mae pools) can rank low here because guaranteed loans need little allowance.

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