Asset Quality ranking · Call report data as of September 30, 2026
US Banks with Highest Commercial Real Estate Delinquency
Monet Bank has the highest commercial real estate noncurrent rate of any ranked US bank, at 48.60% as of September 30, 2026. The median across the 2,776 ranked US banks is 0.19%. That top value sits far outside the middle half of ranked banks (0.00% to 1.05%). A rate this far from the middle usually comes from a few large problem loans or from lending to borrowers with lower credit scores, so read it beside the bank's dollar amounts and its trend.
- No. 1 bank
- Monet Bank
- Its CRE noncurrent
- 48.60%
- US median
- 0.19%
- Banks ranked
- 2,776
Top 100 US banks by commercial real estate noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the US median of 0.19%. Missing values show as a dash and sort last.
| 1 | Monet Bank Plano, TX | 48.60% | $2.32B $1B to $10B |
| 2 | Pathway Bank Cairo, NE | 30.56% | $335.5M $100M to $1B |
| 3 | Farmers Bank Ault, CO | 26.16% | $285.3M $100M to $1B |
| 4 | Transpecos Banks, SSB Pecos, TX | 26.08% | $937.2M $100M to $1B |
| 5 | State Street Bank and Trust Company Boston, MA | 22.30% | $397.45B $100B and over |
| 6 | HSBC Bank USA, N.A. Tysons, VA | 21.21% | $163.38B $100B and over |
| 7 | TBK Bank, SSB Dallas, TX | 17.84% | $7.68B $1B to $10B |
| 8 | Solon State Bank Solon, IA | 17.65% | $117.7M $100M to $1B |
| 9 | Emigrant Bank Miami, FL | 16.10% | $5.70B $1B to $10B |
| 10 | Peoples Bank of Kentucky, Inc. Flemingsburg, KY | 15.02% | $561.7M $100M to $1B |
| 11 | Jersey State Bank Jerseyville, IL | 14.48% | $199.4M $100M to $1B |
| 12 | Headwaters State Bank Land O'Lakes, WI | 14.13% | $126.8M $100M to $1B |
| 13 | Texas Advantage Community Bank, N.A. Alvin, TX | 13.79% | $186.5M $100M to $1B |
| 14 | Burling Bank Chicago, IL | 13.78% | $209.2M $100M to $1B |
| 15 | First Enterprise Bank Oklahoma City, OK | 13.46% | $189.6M $100M to $1B |
| 16 | Citizens Bank & Trust Company Covington, LA | 13.29% | $179.9M $100M to $1B |
| 17 | Industrial and Commercial Bank of China (USA), N.A. New York, NY | 13.04% | $2.79B $1B to $10B |
| 18 | Native American Bank, N.A. Denver, CO | 12.85% | $399.4M $100M to $1B |
| 19 | Heritage Bank of the Ozarks Lebanon, MO | 12.75% | $430.6M $100M to $1B |
| 20 | Bogota Savings Bank Teaneck, NJ | 12.67% | $877.5M $100M to $1B |
| 21 | First State Bank and Trust Company, Inc. Caruthersville, MO | 12.39% | $704.4M $100M to $1B |
| 22 | Finwise Bank Murray, UT | 12.20% | $928.2M $100M to $1B |
| 23 | First Arkansas Bank and Trust Jacksonville, AR | 11.99% | $1.13B $1B to $10B |
| 24 | Home Federal Bank of Tennessee Knoxville, TN | 11.87% | $2.74B $1B to $10B |
| 25 | Peoples Trust and Savings Bank Boonville, IN | 11.83% | $236.3M $100M to $1B |
| 26 | Foresight Bank Plainview, MN | 11.36% | $429.6M $100M to $1B |
| 27 | Newtek Bank, N.A. Miami, FL | 11.13% | $2.82B $1B to $10B |
| 28 | New Omni Bank, N.A. Alhambra, CA | 11.10% | $531.5M $100M to $1B |
| 29 | First Bank & Trust Company Duncan, OK | 10.95% | $946.7M $100M to $1B |
| 30 | PBT Bancorp Hazard, KY | 10.90% | $503.2M $100M to $1B |
| 31 | Central Bank Little Rock, AR | 10.79% | $981.7M $100M to $1B |
| 32 | NexBank Dallas, TX | 10.73% | $13.97B $10B to $100B |
| 33 | Universal Bank West Covina, CA | 10.72% | $385.7M $100M to $1B |
| 34 | Peoples National Bank of Kewanee Kewanee, IL | 10.50% | $591.3M $100M to $1B |
| 35 | United Community Bank Perham, MN | 10.28% | $358.2M $100M to $1B |
| 36 | The Pauls Valley National Bank Pauls Valley, OK | 10.28% | $350.0M $100M to $1B |
| 37 | Goldman Sachs Bank USA New York, NY | 10.03% | $789.72B $100B and over |
| 38 | Wellington State Bank Wellington, TX | 9.97% | $648.3M $100M to $1B |
| 39 | First Secure Bank and Trust Co. Palos Hills, IL | 9.84% | $353.5M $100M to $1B |
| 40 | First National Bank in Port Lavaca Port Lavaca, TX | 9.79% | $387.7M $100M to $1B |
| 41 | Crossroads Bank Yoakum, TX | 9.49% | $379.7M $100M to $1B |
| 42 | Great Plains State Bank Petersburg, NE | 9.46% | $379.2M $100M to $1B |
| 43 | Stearns Bank N.A. Saint Cloud, MN | 9.12% | $3.26B $1B to $10B |
| 44 | All America Bank Oklahoma City, OK | 9.12% | $607.7M $100M to $1B |
| 45 | Pilgrim Bank Pittsburg, TX | 8.77% | $745.8M $100M to $1B |
| 46 | Plains State Bank Humble, TX | 8.73% | $806.3M $100M to $1B |
| 47 | The First National Bank of Eagle Lake Eagle Lake, TX | 8.69% | $169.1M $100M to $1B |
| 48 | First National Bank of Giddings Giddings, TX | 8.66% | $371.6M $100M to $1B |
| 49 | Fidelity Co-Operative Bank Leominster, MA | 8.56% | $1.28B $1B to $10B |
| 50 | The Berkshire Bank New York, NY | 8.35% | $483.7M $100M to $1B |
| 51 | Midamerica National Bank Canton, IL | 8.35% | $680.3M $100M to $1B |
| 52 | Commercial Bank & Trust Company Monticello, AR | 8.33% | $367.4M $100M to $1B |
| 53 | The Bank of Canton Canton, MA | 8.30% | $780.9M $100M to $1B |
| 54 | Caldwell Bank & Trust Company Columbia, LA | 8.21% | $292.8M $100M to $1B |
| 55 | 22nd State Banking Company Mobile, AL | 8.11% | $302.5M $100M to $1B |
| 56 | Global Bank New York, NY | 8.08% | $317.0M $100M to $1B |
| 57 | Gilmer National Bank Gilmer, TX | 8.05% | $378.8M $100M to $1B |
| 58 | MRV Banks Sainte Genevieve, MO | 7.97% | $786.9M $100M to $1B |
| 59 | Citizens State Bank Monticello, IA | 7.90% | $586.2M $100M to $1B |
| 60 | Lincoln Savings Bank Reinbeck, IA | 7.90% | $1.74B $1B to $10B |
| 61 | Independent Bank Memphis, TN | 7.70% | $1.83B $1B to $10B |
| 62 | Farmers & Merchants Savings Bank Manchester, IA | 7.64% | $620.8M $100M to $1B |
| 63 | Commercial National Bank of Texarkana Texarkana, TX | 7.48% | $342.0M $100M to $1B |
| 64 | Pathfinder Bank Oswego, NY | 7.29% | $1.48B $1B to $10B |
| 65 | Magnolia Bank, Inc Elizabethtown, KY | 7.29% | $515.4M $100M to $1B |
| 66 | Evabank Eva, AL | 7.27% | $487.8M $100M to $1B |
| 67 | Crown Bank Elizabeth, NJ | 7.21% | $616.3M $100M to $1B |
| 68 | Walden Mutual Bank Concord, NH | 7.21% | $200.3M $100M to $1B |
| 69 | Greeneville Federal Bank, F.S.B. Greeneville, TN | 7.16% | $206.7M $100M to $1B |
| 70 | California Pacific Bank Hayward, CA | 7.09% | $102.7M $100M to $1B |
| 71 | Enterprise Bank Allison Park, PA | 6.97% | $495.6M $100M to $1B |
| 72 | Sewickley Savings Bank Sewickley, PA | 6.93% | $305.5M $100M to $1B |
| 73 | Bankwest, Incorporated Pierre, SD | 6.91% | $1.90B $1B to $10B |
| 74 | Savers Co-Operative Bank Southbridge, MA | 6.90% | $766.5M $100M to $1B |
| 75 | Citizens Progressive Bank Winnsboro, LA | 6.85% | $244.9M $100M to $1B |
| 76 | Banc of California Los Angeles, CA | 6.80% | $34.86B $10B to $100B |
| 77 | Hiawatha National Bank Hager City, WI | 6.76% | $790.0M $100M to $1B |
| 78 | Amarillo National Bank Amarillo, TX | 6.71% | $10.45B $10B to $100B |
| 79 | Midwest Regional Bank Clayton, MO | 6.65% | $920.4M $100M to $1B |
| 80 | Farmers Savings Bank Fostoria, IA | 6.63% | $216.4M $100M to $1B |
| 81 | Oconee State Bank Watkinsville, GA | 6.52% | $750.9M $100M to $1B |
| 82 | Cornerstone Bank York, NE | 6.50% | $2.72B $1B to $10B |
| 83 | St. Johns Bank & Trust Company Saint Louis, MO | 6.49% | $295.9M $100M to $1B |
| 84 | State Bank of Graymont Graymont, IL | 6.42% | $312.4M $100M to $1B |
| 85 | Gateway First Bank Jenks, OK | 6.40% | $2.00B $1B to $10B |
| 86 | First Southern Bank Marion, IL | 6.40% | $1.02B $1B to $10B |
| 87 | The First National Bank of Hughes Springs Hughes Springs, TX | 6.33% | $314.0M $100M to $1B |
| 88 | Frontier State Bank Oklahoma City, OK | 6.19% | $622.1M $100M to $1B |
| 89 | Crossroads Bank Wabash, IN | 6.18% | $612.4M $100M to $1B |
| 90 | First National Bank and Trust Company of Weatherford dba First Bank Texas Weatherford, TX | 6.10% | $951.5M $100M to $1B |
| 91 | First National Bank Alamogordo, NM | 6.01% | $433.1M $100M to $1B |
| 92 | Bank of New Hampshire Laconia, NH | 6.00% | $2.83B $1B to $10B |
| 93 | Security State Bank & Trust Fredericksburg, TX | 5.92% | $1.97B $1B to $10B |
| 94 | First State Bank of Forrest Forrest, IL | 5.91% | $322.6M $100M to $1B |
| 95 | Main Street Bank Marlborough, MA | 5.91% | $1.64B $1B to $10B |
| 96 | Bank of Delight Delight, AR | 5.89% | $206.8M $100M to $1B |
| 97 | MCNB Bank and Trust Co. Welch, WV | 5.88% | $386.7M $100M to $1B |
| 98 | First State Bank Irvington, KY | 5.81% | $382.7M $100M to $1B |
| 99 | Flagstar Bank, N.A. Hicksville, NY | 5.79% | $87.41B $10B to $100B |
| 100 | First Credit Bank West Hollywood, CA | 5.78% | $545.6M $100M to $1B |
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Definition and formula
The commercial real estate (CRE) noncurrent rate on this list is the share of a bank's loans secured by nonfarm nonresidential property, such as offices, stores, warehouses and hotels, that are on nonaccrual or 90 or more days past due and still accruing. Owner-occupied and investor-owned property are both included. Multifamily and construction loans are reported on their own lines of the call report and are not.
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans
The glossary entry for Commercial Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 2,776 banks that meet every rule below, using each bank's latest FFIEC call report (data as of September 30, 2026).
- Banks with at least $100M in total assets, so a ratio on a very small balance sheet cannot lead the list.
- Banks with at least $25M in nonfarm nonresidential (commercial property) loans, so a rate on a few loans cannot lead the list.
- Lending institutions only: charters with loans under 5% of assets, mostly trust and custody banks, are not ranked.
- Charters the regulator has closed, merged or converted are excluded.
- Each bank charter ranks on its own; holding companies are not combined.
What moves the CRE noncurrent rate
The rate rises when tenants leave or rents fall far enough that a property's income no longer covers its loan payments, as has happened to many office buildings since 2020, and when a maturing loan cannot be refinanced at current rates. Owner-occupied loans depend more on the borrower's business than on the building, so a bank whose book is mostly owner-occupied tends to run a lower rate. A single large loan can move a small bank's rate by several points, so compare it with the dollar amounts and the trend.
Frequently asked questions
Which bank has the highest commercial real estate noncurrent rate?
Monet Bank has the highest commercial real estate noncurrent rate of any ranked US bank, at 48.60% as of September 30, 2026, according to its FFIEC call report. Pathway Bank ranks second at 30.56%. The median is 0.19%.
What is the median CRE noncurrent rate among ranked US banks?
As of Q3 2026, CRE noncurrent rate for the middle half of the 2,776 ranked US banks ran from 0.00% to 1.05%, and the median was 0.19%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Commercial Real Estate Loans glossary entry.
How is the CRE noncurrent rate calculated?
CRE noncurrent rate = (Nonfarm nonresidential loans on nonaccrual + Nonfarm nonresidential loans 90+ days past due and still accruing) / Nonfarm nonresidential loans. Each bank charter is ranked on its own; holding companies are not combined. See the Commercial Real Estate Loans glossary entry.
Banks with Highest Commercial Real Estate Delinquency by state
More asset quality rankings
Source: FFIEC call reports for the quarter ended September 30, 2026, refreshed as each quarter's filings are processed. See data updates for the current freshness window. Next update: Q4 2026 Call Reports are due February 1, 2027; we expect them on the platform by mid-February 2027.
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