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Find the banks that need what you sell.

Loan-sale and OREO prospect lists built from every bank's call report: who has rising nonaccrual loans in a portfolio, and who holds foreclosed real estate, refreshed each quarter.

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A bank with nonaccrual loans building in one portfolio, or foreclosed property on its books, has a problem it wants solved: a pool of notes to sell, property to move, loans to work out, a process to fix. Note buyers, loan servicers, property buyers, collection and workout firms, and the consultants and software vendors who serve them all look for those banks. Two free prospect screens list them from public call report filings, and Pro downloads each list as a CSV.

The challenge

  • Cold lists of every bank in a state waste calls on banks with no problem loans.
  • Problem loans sit in one portfolio, and a bank-wide ratio hides which one.
  • Prospect lists go stale; a bank that was a seller last year may not be now.

How BankRegReports helps

Loan-sale prospects by portfolio

Every bank whose nonaccrual rate in a portfolio (construction, multifamily, commercial real estate, residential, C&I, farm, consumer or cards) is higher than a year earlier, ranked by the current rate, with the dollars on nonaccrual and both past due stages beside it.

Open loan-sale prospects →

OREO prospects

Every bank holding other real estate owned, ranked by the amount it holds, with its nonaccrual loans beside it, since today's nonaccrual loans are the next quarters' foreclosures.

Open OREO prospects →

Every list as a CSV on Pro

Viewing every ranked bank is free with an account. The Pro plan adds a CSV download of each list, one row per bank with its RSSD ID, city, state and asset size, ready for a CRM import.

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How vendors put it to work

Typical workflows, from the first search to a client-ready or board-ready output.

Sample: the loan-sale prospects CSV

A note buyer focused on multifamily picks the multifamily portfolio and, on the Pro plan, downloads the list. Each row is one bank whose multifamily nonaccrual rate rose from a year earlier, ranked by today's rate.

  1. Identity columns: rank, bank, RSSD ID, city, state, asset tier and total assets.
  2. The ranked value: the portfolio's nonaccrual rate this quarter, as a percent of its loans.
  3. The comparison: the same rate a year earlier, so the rise is visible on the row.
  4. The size: nonaccrual loans in the portfolio, in thousands of dollars, at least $500,000 for every bank listed.
  5. The early stages: 30 to 89 days past due and 90 days and over, both as percents of the portfolio.
  6. A band (high, elevated or low) and the quarter the row reports.

Sample: the OREO prospects CSV

A property buyer working three states downloads the OREO list on the Pro plan, filters it to those states, and starts with the banks holding the most.

  1. Identity columns: rank, bank, RSSD ID, city, state, asset tier and total assets.
  2. Other real estate owned, in thousands of dollars as filed.
  3. Nonaccrual loans, in thousands of dollars, as a sign of what may become OREO next.
  4. A band (over $5 million, $1 million to $5 million, or $1 million or less) and the quarter.

Work the list each quarter

A loan servicer refreshes its target list when new call reports load, contacts the banks that are new to it, and opens each bank's credit quality page before the call.

  1. Open the loan-sale screen for the portfolio you service.
  2. Compare it with last quarter's list to find the banks that just joined.
  3. Open a bank's profile to read its past due and nonaccrual trend by loan type before you call.

Frequently asked questions

What is a loan-sale prospect?

A bank whose nonaccrual loans in one portfolio are higher than they were a year earlier. Nonaccrual loans earn nothing and carry a higher allowance, so a bank with a growing book of them is more likely to sell notes, hire a workout firm or bring in a consultant. The screen ranks those banks by the current nonaccrual rate in the portfolio you pick.

What is an OREO prospect?

A bank that holds other real estate owned: property taken through foreclosure or a deed in lieu and held for sale. National banks generally have five years to dispose of it, and holding it costs money, so banks with large OREO balances are natural contacts for property buyers, brokers and auction firms.

Where does the data come from, and how current is it?

Every figure is from the bank's own FFIEC call report: Schedule RC-N for past due and nonaccrual loans and Schedule RC for other real estate owned. We load a new quarter within 2 business days of the FFIEC release and pick up amended filings within 7 days.

Does a bank on these lists want to sell?

Not necessarily. The lists show what each bank reported at the quarter end. They tell you which banks to contact first, not what any bank plans to do.

Can I download the lists?

Yes, on the Pro plan. Every signed-in account can view each full list on the site; Pro adds the CSV download, within the plan's daily export limit.

Related reading

The guides and definitions behind the metrics vendors use on this page.

Guides

Glossary terms

Nonaccrual Loans Past-Due Loans Non-Performing Assets Ratio Texas Ratio Net Charge-Offs Commercial Real Estate Loans Allowance for Credit Losses

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