Asset Quality
US Banks with Highest Non-Performing Asset (NPA) Ratio
#1 Non-Performing Asset (NPA) Ratio:NANO BANC — 17.42%. The NPA ratio extends NPL to include other real estate owned (OREO) — the full picture of distressed assets relative to the bank's size.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | NANO BANC | IRVINE, CA | 17.42% | 874,723.0 |
| 2 | RED RIVER STATE BANK | HALSTAD, MN | 10.56% | 120,360.0 |
| 3 | NoneNone | 9.20% | 288,221.0 | |
| 4 | ENTERPRISE BANK | ALLISON PARK, PA | 8.54% | 491,714.0 |
| 5 | UNITY BANK | AUGUSTA, WI | 8.38% | 611,752.0 |
| 6 | FIRST & PEOPLES BANK AND TRUST COMPANY | RUSSELL, KY | 7.84% | 206,098.0 |
| 7 | CROWN BANK | ELIZABETH, NJ | 7.65% | 628,954.0 |
| 8 | MUTUALONE BANK | FRAMINGHAM, MA | 7.03% | 1,252,824.0 |
| 9 | MAINSTREET BANK | FAIRFAX, VA | 6.86% | 2,209,046.0 |
| 10 | MRV BANKS | SAINTE GENEVIEVE, MO | 6.56% | 862,417.0 |
| 11 | IDABEL NATIONAL BANK, THE | IDABEL, OK | 6.53% | 253,631.0 |
| 12 | FIRSTIER BANK | KIMBALL, NE | 6.29% | 1,082,291.0 |
| 13 | FIRST ENTERPRISE BANK | OKLAHOMA CITY, OK | 6.10% | 197,883.0 |
| 14 | TOUCHMARK NATIONAL BANK | ALPHARETTA, GA | 5.99% | 418,375.0 |
| 15 | CHICKASAW COMMUNITY BANK | OKLAHOMA CITY, OK | 5.86% | 435,936.0 |
| 16 | FIRST SECURITY BANK AND TRUST COMPANY | OKLAHOMA CITY, OK | 5.78% | 255,112.0 |
| 17 | FIRST CAPITAL BANK | QUANAH, TX | 5.75% | 116,310.0 |
| 18 | UNITED REPUBLIC BANK | OMAHA, NE | 5.73% | 197,172.0 |
| 19 | NORTHERN BANK & TRUST COMPANY | WOBURN, MA | 5.54% | 3,167,025.0 |
| 20 | SEATTLE BANK | SEATTLE, WA | 5.39% | 1,035,314.0 |
| 21 | SOLON STATE BANK | SOLON, IA | 5.38% | 125,699.0 |
| 22 | CITIZENS BANK & TRUST COMPANY | COVINGTON, LA | 5.37% | 175,876.0 |
| 23 | NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI, FL | 5.11% | 1,730,035.0 |
| 24 | CARTER BANK & TRUST | MARTINSVILLE, VA | 5.07% | 4,831,021.0 |
| 25 | NEW OMNI BANK, NATIONAL ASSOCIATION | ALHAMBRA, CA | 5.02% | 520,138.0 |
| 26 | WALLIS BANK | WALLIS, TX | 4.99% | 1,392,348.0 |
| 27 | CROSS RIVER BANK | FORT LEE, NJ | 4.94% | 8,057,896.0 |
| 28 | MIDAMERICA NATIONAL BANK | CANTON, IL | 4.91% | 640,200.0 |
| 29 | FARMERS BANK | AULT, CO | 4.87% | 291,178.0 |
| 30 | BANK OF FRANKEWING | FRANKEWING, TN | 4.78% | 446,407.0 |
| 31 | CFG BANK | LUTHERVILLE, MD | 4.75% | 5,739,598.0 |
| 32 | CARVER FEDERAL SAVINGS BANK | NEW YORK, NY | 4.67% | 695,941.0 |
| 33 | MIDWEST REGIONAL BANK | CLAYTON, MO | 4.66% | 1,049,767.0 |
| 34 | WALDEN MUTUAL BANK | CONCORD, NH | 4.54% | 171,740.0 |
| 35 | FIRST STATE BANK OF BIGFORK | BIGFORK, MN | 4.52% | 113,681.0 |
| 36 | FINWISE BANK | MURRAY, UT | 4.51% | 967,454.0 |
| 37 | SNB BANK, NATIONAL ASSOCIATION | SHATTUCK, OK | 4.48% | 135,897.0 |
| 38 | CITIZENS SAVINGS BANK AND TRUST COMPANY | NASHVILLE, TN | 4.48% | 183,374.0 |
| 39 | FIRST CENTRAL BANK MCCOOK | MCCOOK, NE | 4.47% | 127,251.0 |
| 40 | FIRST SOUTHERN BANK | FLORENCE, AL | 4.43% | 732,162.0 |
| 41 | MODERN BANK, NATIONAL ASSOCIATION | NEW YORK, NY | 4.41% | 664,062.0 |
| 42 | FIRST BANK & TRUST COMPANY | DUNCAN, OK | 4.39% | 948,406.0 |
| 43 | LIVE OAK BANKING COMPANY | WILMINGTON, NC | 4.38% | 15,057,824.0 |
| 44 | IUKA STATE BANK, THE | SALEM, IL | 4.36% | 142,444.0 |
| 45 | FNB BANK | GOODLAND, KS | 4.28% | 272,944.0 |
| 46 | ALL AMERICA BANK | OKLAHOMA CITY, OK | 4.20% | 593,707.0 |
| 47 | FIRST BANK OF THE LAKE | OSAGE BEACH, MO | 4.18% | 2,266,431.0 |
| 48 | HEADWATERS STATE BANK | LAND O'LAKES, WI | 4.16% | 117,440.0 |
| 49 | EAGLEBANK | BETHESDA, MD | 4.14% | 10,445,598.0 |
| 50 | GATEWAY BANK | RISON, AR | 4.12% | 173,218.0 |
| 51 | STERLING FEDERAL BANK, FEDERAL SAVINGS BANK | STERLING, IL | 4.10% | 513,696.0 |
| 52 | INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NEW YORK, NY | 4.09% | 2,902,760.0 |
| 53 | MINT NATIONAL BANK, THE | KINGWOOD, TX | 4.03% | 401,518.0 |
| 54 | MILESTONE BANK | SALT LAKE CITY, UT | 4.03% | 374,567.0 |
| 55 | FIRST UTAH BANK | SALT LAKE CITY, UT | 4.00% | 845,540.0 |
| 56 | WCF FINANCIAL BANK | WEBSTER CITY, IA | 3.98% | 227,490.0 |
| 57 | GLOBAL BANK | NEW YORK, NY | 3.97% | 272,576.0 |
| 58 | BANKVISTA | SARTELL, MN | 3.97% | 633,300.0 |
| 59 | EASTERN SAVINGS BANK FEDERAL SAVINGS BANK | HUNT VALLEY, MD | 3.97% | 366,521.0 |
| 60 | CITIZENS COMMUNITY BANK | MASCOUTAH, IL | 3.93% | 532,051.0 |
| 61 | FIRST BANK | STERLING, KS | 3.93% | 151,957.0 |
| 62 | MONET BANK | PLANO, TX | 3.91% | 3,548,056.0 |
| 63 | FEDERAL SAVINGS BANK, THE | CHICAGO, IL | 3.85% | 1,138,673.0 |
| 64 | SIMMESPORT STATE BANK | SIMMESPORT, LA | 3.84% | 200,048.0 |
| 65 | WELLINGTON STATE BANK | WELLINGTON, TX | 3.82% | 653,212.0 |
| 66 | BANK OF WASHINGTON | WASHINGTON, MO | 3.78% | 1,170,435.0 |
| 67 | INDUSTRIAL BANK | WASHINGTON, DC | 3.77% | 773,478.0 |
| 68 | FIRST CENTRAL BANK | CAMBRIDGE, NE | 3.76% | 144,454.0 |
| 69 | FIDELITY CO-OPERATIVE BANK | LEOMINSTER, MA | 3.73% | 1,378,852.0 |
| 70 | FLAGSTAR BANK, NATIONAL ASSOCIATION | HICKSVILLE, NY | 3.68% | 87,511,954.0 |
| 71 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH | BATH, ME | 3.66% | 186,457.0 |
| 72 | RARITAN STATE BANK | RARITAN, IL | 3.63% | 249,367.0 |
| 73 | REPUBLIC BANK OF CHICAGO | OAK BROOK, IL | 3.56% | 2,723,144.0 |
| 74 | PAULS VALLEY NATIONAL BANK, THE | PAULS VALLEY, OK | 3.53% | 348,568.0 |
| 75 | STEARNS BANK NATIONAL ASSOCIATION | SAINT CLOUD, MN | 3.52% | 3,343,693.0 |
| 76 | DRAKE BANK | SAINT PAUL, MN | 3.47% | 255,833.0 |
| 77 | BCB COMMUNITY BANK | BAYONNE, NJ | 3.45% | 3,278,810.0 |
| 78 | BANK OF HOLLY SPRINGS, THE | HOLLY SPRINGS, MS | 3.44% | 555,566.0 |
| 79 | ALMA BANK | ASTORIA, NY | 3.44% | 1,548,069.0 |
| 80 | PBT BANCORP | HAZARD, KY | 3.39% | 379,360.0 |
| 81 | HOME STATE BANK | JEFFERSON, IA | 3.38% | 460,238.0 |
| 82 | COMMERCIAL BANK & TRUST COMPANY | MONTICELLO, AR | 3.38% | 375,073.0 |
| 83 | EMIGRANT BANK | MIAMI, FL | 3.37% | 5,766,998.0 |
| 84 | MILLENNIUM BANK | DES PLAINES, IL | 3.36% | 810,984.0 |
| 85 | SCHERTZ BANK & TRUST | SCHERTZ, TX | 3.34% | 770,199.0 |
| 86 | FIRST NATIONAL BANK OF FORT STOCKTON | FORT STOCKTON, TX | 3.33% | 156,853.0 |
| 87 | STAR BANK | MAPLE LAKE, MN | 3.31% | 465,038.0 |
| 88 | BERKSHIRE BANK, THE | NEW YORK, NY | 3.30% | 536,341.0 |
| 89 | BANK OF GRANDIN | GRANDIN, MO | 3.30% | 234,655.0 |
| 90 | LINCOLN SAVINGS BANK | REINBECK, IA | 3.28% | 1,752,564.0 |
| 91 | KEY COMMUNITY BANK | INVER GROVE HEIGHTS, MN | 3.26% | 120,996.0 |
| 92 | CENTRAL STATE BANK | CLAYTON, IL | 3.21% | 177,236.0 |
| 93 | SOUTHERN ILLINOIS BANK | JOHNSTON CITY, IL | 3.17% | 137,861.0 |
| 94 | FIRST NATIONAL BANK AND TRUST COMPANY OF WEATHERFORD DBA FIRST BANK TEXAS | WEATHERFORD, TX | 3.17% | 978,794.0 |
| 95 | PEOPLES BANK | MENDENHALL, MS | 3.15% | 484,585.0 |
| 96 | FFB BANK | FRESNO, CA | 3.13% | 1,579,389.0 |
| 97 | EVABANK | EVA, AL | 3.12% | 478,173.0 |
| 98 | KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE | KARNES CITY, TX | 3.10% | 549,490.0 |
| 99 | UNITED BANK OF UNION | UNION, MO | 3.09% | 561,850.0 |
| 100 | CITIZENS SAVINGS BANK | BOGALUSA, LA | 3.09% | 318,533.0 |
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All data sourced from the most recent FFIEC call report filings, refreshed quarterly within 48 hours of FFIEC release. This leaderboard excludes banks with total assets under $100,000K to filter out anomalous micro-bank ratios. See /data-updates/ for the current data freshness window.
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