Texas Ratio Watch · NPL Explorer

50 institutions exceeded the Texas Ratio threshold in Q2 2026. Top by rank: LAMONT BANK OF ST JOHN (WA), TIOGA-FRANKLIN SAVINGS BANK (PA), EMPOWERMENT COMMUNITY DEVELOPMENT (TX).

Texas Ratio Watch

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Rank	Institution	Source	State	Texas Ratio	QoQ
1	LAMONT BANK OF ST JOHN	BANK	WA	519.1%	+373.2
2	TIOGA-FRANKLIN SAVINGS BANK	BANK	PA	257.0%	+124.0
3	EMPOWERMENT COMMUNITY DEVELOPMENT	CU	TX	243.8%	+109.1
4	COLUMBIA SAVINGS&LOAN ASSN	BANK	WI	231.1%	+69.2
5	NANO BANC	BANK	CA	209.8%	+44.8
6	MIDFIRST BANK	BANK	OK	139.9%	-12.0
7	FIRST UNITY	CU	MS	120.5%	+7.2
8	GRAND RIVERS COMMUNITY BANK	BANK	IL	113.3%	+0.7
9	FIRST SECURITY BANK&TRUST CO	BANK	OK	94.7%	+25.9
10	SIXTH AVENUE BAPTIST	CU	AL	92.8%	+16.6
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	Texas Ratio	QoQ	Trend
11	FIRST STB OF RANDOLPH COUNTY	BANK	GA	████	████	████
12	S H P E	CU	LA	████	████	████
13	ENTERPRISE BANK	BANK	PA	████	████	████
14	CHESTERFIELD STATE BANK	BANK	IL	████	████	████
15	LOCAL GOVERNMENT	CU	NC	████	████	████
16	BOTHWELL HOSPITAL EMPLOYEES	CU	MO	████	████	████
17	FIRST&PEOPLES BANK&TRUST CO	BANK	KY	████	████	████
18	FIRST SOUTHERN BANK	BANK	AL	████	████	████
19	GUERNSEY COMMUNITY	CU	WY	████	████	████
20	FIRST B&T CO OF MURPHYSBORO	BANK	IL	████	████	████
21	ADIRONDACK REGIONAL	CU	NY	████	████	████
22	ARKANSAS TEACHERS	CU	AR	████	████	████
23	SORG BAY WEST	CU	OH	████	████	████
24	NRS COMMUNITY DEVELOPMENT	CU	AL	████	████	████
25	PEAR ORCHARD	CU	TX	████	████	████
26	NEWTEK BANK NATIONAL ASSN	BANK	FL	████	████	████
27	UNITY BANK	BANK	WI	████	████	████
28	DRAKE BANK	BANK	MN	████	████	████
29	GREATER NEVADA	CU	NV	████	████	████
30	IUKA STATE BANK	BANK	IL	████	████	████
31	TUSKEGEE	CU	AL	████	████	████
32	PHI BETA SIGMA	CU	DC	████	████	████
33	SUNFLOWER	CU	KS	████	████	████
34	FARMERS BANK	BANK	CO	████	████	████
35	FIRST CAROLINA PEOPLE'S	CU	NC	████	████	████
36	HEALTHPLUS	CU	MS	████	████	████
37	ALLNATIONS BANK	BANK	OK	████	████	████
38	VIRGINIA UNITED METHODIST	CU	VA	████	████	████
39	SNB BANK NATIONAL ASSN	BANK	OK	████	████	████
40	SYMPHONY	CU	MA	████	████	████
41	HOME SAVINGS BANK FSB	BANK	KY	████	████	████
42	UNITED REPUBLIC BANK	BANK	NE	████	████	████
43	FARMERS STATE BANK	BANK	IL	████	████	████
44	PAULS VALLEY NATIONAL BANK	BANK	OK	████	████	████
45	STERLING FEDERAL BANK FSB	BANK	IL	████	████	████
46	FIRST ENTERPRISE BANK	BANK	OK	████	████	████
47	LOUISIANA CENTRAL	CU	LA	████	████	████
48	COMMERCIAL BANK&TRUST CO	BANK	AR	████	████	████
49	WCF FINANCIAL BANK	BANK	IA	████	████	████
50	U.S. EAGLE	CU	NM	████	████	████

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 reported on the RCON basis only); equity — total equity (RCFD3210), standing in for tangible common equity, which is not reported separately at this level of detail; reserves — Allowance for credit losses (RCFD3123 / RCON3123, Schedule RC-R Part II item 6). For credit unions: 60+ days delinquent — NCUA ACCT_041B (the direct aggregate, not a sum of sub-buckets); foreclosed real estate — NCUA ACCT_AS0022 (commercial) plus ACCT_AS0023 (consumer real estate); equity — net worth, ACCT_997; reserves — Allowance for credit losses on loans and leases, ACCT_AS0048 (CECL), or ACCT_719 for credit unions not on CECL. 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: bank non-current loan volumes now come 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 reserves now come from the CECL account (ACCT_AS0048), and foreclosed real estate from NCUA's foreclosed-asset detail. Earlier snapshots read ACCT_719 and ACCT_798, which CECL adopters and NCUA's current forms leave at zero, so most credit unions' ratios left out both.

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