States with the biggest quarterly rise in weighted nonperforming ratio
U.S. states whose institution-weighted nonperforming-loan ratio grew the most quarter-over-quarter — surfaces regions where stress is building across the local banking landscape.
No institutions matched the Hotspot Geographies criteria in Q4 2025. Check the methodology footnote for the card's threshold and the upstream data freshness.
Methodology
We rank U.S. states by the quarter-over-quarter change in institution-weighted nonperforming-loan ratio. The weighting is by total loans, so larger institutions move the state-level number more. The minimum delta threshold is 0 (we surface any state in positive territory).