Asset Quality ranking · Call report data as of September 30, 2026
US Banks with Highest Multifamily Loan Delinquency
United Fidelity Bank, FSB has the highest multifamily noncurrent rate of any ranked US bank, at 78.75% as of September 30, 2026. The median across the 1,233 ranked US banks is 0.00%. That top value sits far outside the middle half of ranked banks (0.00% to 0.04%). 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
- United Fidelity Bank, FSB
- Its Multifamily noncurrent
- 78.75%
- US median
- 0.00%
- Banks ranked
- 1,233
Top 100 US banks by multifamily noncurrent rate
Highest first. Select a column heading to sort. The gap column shows each bank's distance from the US median of 0.00%. Missing values show as a dash and sort last.
| 1 | United Fidelity Bank, FSB Evansville, IN | 78.75% | $5.92B $1B to $10B |
| 2 | Citizens Community Bank Mascoutah, IL | 31.74% | $523.2M $100M to $1B |
| 3 | International Bank of Commerce Brownsville, TX | 29.82% | $4.57B $1B to $10B |
| 4 | Blue SKY Bank Pawhuska, OK | 29.72% | $1.39B $1B to $10B |
| 5 | Bank of Labor Overland Park, KS | 29.71% | $1.11B $1B to $10B |
| 6 | West Texas National Bank Midland, TX | 27.83% | $2.91B $1B to $10B |
| 7 | Midwest Regional Bank Clayton, MO | 27.00% | $920.4M $100M to $1B |
| 8 | Bank of Belleville Belleville, IL | 22.88% | $570.9M $100M to $1B |
| 9 | Bank of Clarke Berryville, VA | 21.81% | $1.87B $1B to $10B |
| 10 | TIB, N.A. Farmers Branch, TX | 21.52% | $3.02B $1B to $10B |
| 11 | Great Plains National Bank Elk City, OK | 19.21% | $1.94B $1B to $10B |
| 12 | Frost Bank San Antonio, TX | 18.43% | $54.61B $10B to $100B |
| 13 | Bank of Washington Washington, MO | 18.41% | $1.10B $1B to $10B |
| 14 | Shore United Bank, N.A. Easton, MD | 17.65% | $6.45B $1B to $10B |
| 15 | Sabine State Bank and Trust Company Many, LA | 17.49% | $1.35B $1B to $10B |
| 16 | Hiawatha National Bank Hager City, WI | 16.06% | $790.0M $100M to $1B |
| 17 | MainStreet Community Bank of Florida Deland, FL | 15.83% | $976.3M $100M to $1B |
| 18 | Preferred Bank Los Angeles, CA | 14.80% | $7.82B $1B to $10B |
| 19 | Savers Co-Operative Bank Southbridge, MA | 14.57% | $766.5M $100M to $1B |
| 20 | The First National Bank of McGregor McGregor, TX | 14.06% | $1.10B $1B to $10B |
| 21 | First Pryority Bank Pryor, OK | 13.72% | $580.1M $100M to $1B |
| 22 | Golden Bank, N.A. Houston, TX | 12.48% | $2.31B $1B to $10B |
| 23 | EagleBank Bethesda, MD | 11.93% | $9.42B $1B to $10B |
| 24 | CFG Bank Lutherville, MD | 11.39% | $6.30B $1B to $10B |
| 25 | American Momentum Bank College Station, TX | 11.35% | $2.85B $1B to $10B |
| 26 | Premier Community Bank Marion, WI | 10.56% | $558.8M $100M to $1B |
| 27 | The Bank, N.A. McAlester, OK | 10.52% | $491.3M $100M to $1B |
| 28 | Bank of New England Salem, NH | 9.36% | $1.80B $1B to $10B |
| 29 | First Guaranty Bank Hammond, LA | 9.24% | $3.15B $1B to $10B |
| 30 | Fidelity Co-Operative Bank Leominster, MA | 9.00% | $1.28B $1B to $10B |
| 31 | Flagstar Bank, N.A. Hicksville, NY | 8.38% | $87.41B $10B to $100B |
| 32 | First Secure Bank and Trust Co. Palos Hills, IL | 8.36% | $353.5M $100M to $1B |
| 33 | Pathfinder Bank Oswego, NY | 8.33% | $1.48B $1B to $10B |
| 34 | McBank Goldthwaite, TX | 8.04% | $464.0M $100M to $1B |
| 35 | Adams Bank & Trust Ogallala, NE | 7.61% | $1.31B $1B to $10B |
| 36 | Metropolitan Commercial Bank New York, NY | 7.10% | $9.47B $1B to $10B |
| 37 | American Bank & Trust Company Inc. Bowling Green, KY | 6.84% | $932.4M $100M to $1B |
| 38 | Exchange Bank Kearney, NE | 6.80% | $1.57B $1B to $10B |
| 39 | West Point Bank Radcliff, KY | 6.66% | $556.0M $100M to $1B |
| 40 | The Canandaigua National Bank and Trust Company Canandaigua, NY | 6.39% | $5.53B $1B to $10B |
| 41 | County National Bank Hillsdale, MI | 6.09% | $1.35B $1B to $10B |
| 42 | Modern Bank, N.A. New York, NY | 5.99% | $650.0M $100M to $1B |
| 43 | Carver Federal Savings Bank New York, NY | 5.81% | $662.8M $100M to $1B |
| 44 | Park State Bank Duluth, MN | 5.63% | $1.46B $1B to $10B |
| 45 | Florence Bank Florence, MA | 5.33% | $2.04B $1B to $10B |
| 46 | First-Citizens Bank & Trust Company Raleigh, NC | 5.22% | $240.76B $100B and over |
| 47 | Pennian Bank Mifflintown, PA | 5.18% | $653.3M $100M to $1B |
| 48 | Sawyer Savings Bank Saugerties, NY | 4.98% | $280.5M $100M to $1B |
| 49 | Manasquan Bank Wall Township, NJ | 4.97% | $3.68B $1B to $10B |
| 50 | Home Federal Bank of Tennessee Knoxville, TN | 4.96% | $2.74B $1B to $10B |
| 51 | CTBC Bank Corp. (USA) Los Angeles, CA | 4.95% | $5.52B $1B to $10B |
| 52 | Sterling Bank Poplar Bluff, MO | 4.89% | $1.56B $1B to $10B |
| 53 | Amalgamated Bank New York, NY | 4.74% | $9.73B $1B to $10B |
| 54 | ServisFirst Bank Homewood, AL | 4.74% | $18.32B $10B to $100B |
| 55 | Golden State Bank Glendale, CA | 4.72% | $1.04B $1B to $10B |
| 56 | First Exchange Bank White Hall, WV | 4.70% | $385.0M $100M to $1B |
| 57 | Endeavor Bank San Diego, CA | 4.58% | $834.4M $100M to $1B |
| 58 | VeraBank, N.A. Henderson, TX | 4.51% | $4.86B $1B to $10B |
| 59 | BancFirst Oklahoma City, OK | 4.44% | $12.73B $10B to $100B |
| 60 | Sauk Valley Bank & Trust Company Sterling, IL | 4.35% | $784.2M $100M to $1B |
| 61 | Capital One, N.A. McLean, VA | 4.16% | $661.46B $100B and over |
| 62 | Amerasia Bank Flushing, NY | 4.01% | $1.08B $1B to $10B |
| 63 | Apex Bank Camden, TN | 3.99% | $1.47B $1B to $10B |
| 64 | Cornerstone Bank Fargo, ND | 3.94% | $1.86B $1B to $10B |
| 65 | Industrial Bank Washington, DC | 3.90% | $756.9M $100M to $1B |
| 66 | Lead Bank Kansas City, MO | 3.89% | $3.08B $1B to $10B |
| 67 | Legacy Bank & Trust Company Mountain Grove, MO | 3.82% | $1.86B $1B to $10B |
| 68 | NexTier Bank, N.A. Kittanning, PA | 3.81% | $3.30B $1B to $10B |
| 69 | Peoples State Bank Wausau, WI | 3.75% | $1.51B $1B to $10B |
| 70 | Merchants Bank of Indiana Carmel, IN | 3.75% | $20.83B $10B to $100B |
| 71 | Industrial and Commercial Bank of China (USA), N.A. New York, NY | 3.73% | $2.79B $1B to $10B |
| 72 | TrustCo Bank Glenville, NY | 3.69% | $6.49B $1B to $10B |
| 73 | Relyance Bank White Hall, AR | 3.66% | $1.51B $1B to $10B |
| 74 | Farmers and Merchants Bank Upperco, MD | 3.65% | $866.2M $100M to $1B |
| 75 | Cross River Bank Fort Lee, NJ | 3.63% | $9.01B $1B to $10B |
| 76 | Ccfbank N.A. Altoona, WI | 3.43% | $1.79B $1B to $10B |
| 77 | Ohio State Bank Bexley, OH | 3.41% | $500.3M $100M to $1B |
| 78 | Bankorion Orion, IL | 3.41% | $706.3M $100M to $1B |
| 79 | Lincoln Savings Bank Reinbeck, IA | 3.34% | $1.74B $1B to $10B |
| 80 | Southwest Heritage Bank Scottsdale, AZ | 3.33% | $879.0M $100M to $1B |
| 81 | Meridian Bank Malvern, PA | 3.03% | $2.57B $1B to $10B |
| 82 | Santander Bank, N.A. Wilmington, DE | 2.97% | $204.02B $100B and over |
| 83 | KeyBank N.A. Cleveland, OH | 2.95% | $190.15B $100B and over |
| 84 | MainStreet Bank Fairfax, VA | 2.92% | $2.23B $1B to $10B |
| 85 | Commonwealth Business Bank Los Angeles, CA | 2.91% | $1.92B $1B to $10B |
| 86 | Civista Bank Sandusky, OH | 2.84% | $4.30B $1B to $10B |
| 87 | Coulee Bank La Crosse, WI | 2.77% | $517.0M $100M to $1B |
| 88 | The Fahey Banking Company Marion, OH | 2.65% | $389.9M $100M to $1B |
| 89 | First United Bank and Trust Company Durant, OK | 2.63% | $16.54B $10B to $100B |
| 90 | First Keystone Community Bank Berwick, PA | 2.62% | $1.72B $1B to $10B |
| 91 | PlainsCapital Bank University Park, TX | 2.53% | $12.87B $10B to $100B |
| 92 | Ridgewood Savings Bank Ridgewood, NY | 2.52% | $7.57B $1B to $10B |
| 93 | Bank First, N.A. Manitowoc, WI | 2.51% | $5.94B $1B to $10B |
| 94 | Millennium Bank Des Plaines, IL | 2.47% | $798.3M $100M to $1B |
| 95 | Goldman Sachs Bank USA New York, NY | 2.43% | $789.72B $100B and over |
| 96 | First Financial Bank Cincinnati, OH | 2.35% | $22.22B $10B to $100B |
| 97 | First Citizens Community Bank Mansfield, PA | 2.26% | $3.41B $1B to $10B |
| 98 | Beneficial State Bank Oakland, CA | 2.20% | $2.01B $1B to $10B |
| 99 | Habib American Bank New York, NY | 2.20% | $3.03B $1B to $10B |
| 100 | Sunflower Bank, N.A. Dallas, TX | 2.19% | $15.22B $10B to $100B |
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Definition and formula
The multifamily noncurrent rate is the share of a bank's multifamily loans, mortgages on apartment buildings with five or more units, that are on nonaccrual or 90 or more days past due and still accruing.
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans
The glossary entry for Multifamily Real Estate Loans explains each term, the call report items behind it and a worked example.
Which banks are ranked
This list ranks the 1,233 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 multifamily 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 multifamily noncurrent rate
The rate rises when apartment owners cannot cover their debt service, most often when a loan written at a low fixed rate comes up for refinancing at a higher one, or when rent limits or new supply hold rents below rising costs. It falls as the bank restructures, sells or charges off problem loans. Most banks report no noncurrent multifamily loans at all, so a single large building can put a bank near the top of this list; read the rate beside the dollar amounts on the bank's asset quality page.
Frequently asked questions
Which bank has the highest multifamily noncurrent rate?
United Fidelity Bank, FSB has the highest multifamily noncurrent rate of any ranked US bank, at 78.75% as of September 30, 2026, according to its FFIEC call report. Citizens Community Bank ranks second at 31.74%. The median is 0.00%.
What is the median multifamily noncurrent rate among ranked US banks?
As of Q3 2026, multifamily noncurrent rate for the middle half of the 1,233 ranked US banks ran from 0.00% to 0.04%, and the median was 0.00%. Compare a bank with peers of the same size and business model rather than with the top of this list. See the Multifamily Real Estate Loans glossary entry.
How is the multifamily noncurrent rate calculated?
Multifamily noncurrent rate = (Multifamily loans on nonaccrual + Multifamily loans 90+ days past due and still accruing) / Multifamily loans. Each bank charter is ranked on its own; holding companies are not combined. See the Multifamily Real Estate Loans glossary entry.
Banks with Highest Multifamily Loan 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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