Texas Ratio Watch · NPL Explorer

In Q1 2026, 50 institutions exceeded the 20% Texas Ratio threshold. WEDEVELOPMENT in MO led with 482.8%, rising +334.1pp from the prior quarter, followed by NOTEWORTHY in OH at 450.0%. The median ratio across all flagged institutions stood at 70.5%.

Texas Ratio Watch

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Rank	Institution	Source	State	Texas Ratio	QoQ
1	WEDEVELOPMENT	CU	MO	482.8%	+334.1
2	NOTEWORTHY	CU	OH	450.0%	+270.7
3	LOUISIANA CENTRAL	CU	LA	255.1%	+235.5
4	CITIZENS CHOICE	CU	MS	177.3%	+56.0
5	NANO BANC	BANK	CA	164.9%	-38.2
6	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	161.8%	+0.7
7	MIDFIRST BANK	BANK	OK	151.9%	+37.3
8	FIRST BAPTIST CHURCH (STRATFORD)	CU	CT	149.1%	+145.1
9	LAMONT BANK OF ST JOHN	BANK	WA	145.9%	+123.1
10	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	134.7%	+0.0
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	Texas Ratio	QoQ	Trend
11	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	████	████	████
12	KENTLAND FS&LA	BANK	IN	████	████	████
13	FIRST UNITY	CU	MS	████	████	████
14	BOTHWELL HOSPITAL EMPLOYEES	CU	MO	████	████	████
15	GRAND RIVERS COMMUNITY BANK	BANK	IL	████	████	████
16	NRS COMMUNITY DEVELOPMENT	CU	AL	████	████	████
17	GEORGIA GUARD	CU	GA	████	████	████
18	AKRON	CU	CO	████	████	████
19	GREATER NEVADA	CU	NV	████	████	████
20	ENTERPRISE BANK	BANK	PA	████	████	████
21	FIRST STB OF RANDOLPH COUNTY	BANK	GA	████	████	████
22	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
23	SIXTH AVENUE BAPTIST	CU	AL	████	████	████
24	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████	████
25	CHESTERFIELD STATE BANK	BANK	IL	████	████	████
26	WALDEN MUTUAL BANK	BANK	NH	████	████	████
27	FIRST SECURITY BANK&TRUST CO	BANK	OK	████	████	████
28	TUSKEGEE	CU	AL	████	████	████
29	FIRST CAROLINA PEOPLE'S	CU	NC	████	████	████
30	CIVIC	CU	NC	████	████	████
31	S H P E	CU	LA	████	████	████
32	PRAIRIE SUN BANK	BANK	MN	████	████	████
33	PEAR ORCHARD	CU	TX	████	████	████
34	FIRSTIER BANK	BANK	NE	████	████	████
35	U.S. EAGLE	CU	NM	████	████	████
36	HEALTHPLUS	CU	MS	████	████	████
37	TRANSPECOS BANKS SSB	BANK	TX	████	████	████
38	UNITY BANK	BANK	WI	████	████	████
39	SUNFLOWER	CU	KS	████	████	████
40	IUKA STATE BANK	BANK	IL	████	████	████
41	SMALL BUSINESS BANK	BANK	KS	████	████	████
42	BRANTWOOD	CU	WI	████	████	████
43	STEPHENS COUNTY COMMUNITY	CU	GA	████	████	████
44	FARMERS BANK	BANK	CO	████	████	████
45	FARMERS STATE BANK	BANK	IL	████	████	████
46	ALLNATIONS BANK	BANK	OK	████	████	████
47	PHI BETA SIGMA	CU	DC	████	████	████
48	HAMILTON HORIZONS	CU	NJ	████	████	████
49	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
50	PILGRIM CUCC	CU	TX	████	████	████

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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