Asset Quality
US Banks with Highest Non-Performing Loan (NPL) Ratio
#1 Non-Performing Loan (NPL) Ratio:MONET BANK — 34.07%. The Non-Performing Loan (NPL) ratio measures loans 90+ days past due or in non-accrual status divided by total loans — the leading indicator of credit deterioration.
| # | Bank | HQ | US Banks with … | Total Assets ($K) |
|---|---|---|---|---|
| 1 | MONET BANK | PLANO, TX | 34.07% | 3,548,056.0 |
| 2 | NANO BANC | IRVINE, CA | 28.14% | 874,723.0 |
| 3 | FIRST & PEOPLES BANK AND TRUST COMPANY | RUSSELL, KY | 17.93% | 206,098.0 |
| 4 | NoneNone | 13.14% | 288,221.0 | |
| 5 | RED RIVER STATE BANK | HALSTAD, MN | 12.11% | 120,360.0 |
| 6 | BERKSHIRE BANK, THE | NEW YORK, NY | 11.19% | 536,341.0 |
| 7 | UNITY BANK | AUGUSTA, WI | 10.88% | 611,752.0 |
| 8 | IDABEL NATIONAL BANK, THE | IDABEL, OK | 9.60% | 253,631.0 |
| 9 | CHICKASAW COMMUNITY BANK | OKLAHOMA CITY, OK | 9.27% | 435,936.0 |
| 10 | MUTUALONE BANK | FRAMINGHAM, MA | 9.01% | 1,252,824.0 |
| 11 | CROWN BANK | ELIZABETH, NJ | 8.14% | 628,954.0 |
| 12 | MAINSTREET BANK | FAIRFAX, VA | 8.05% | 2,209,046.0 |
| 13 | FARMERS BANK | AULT, CO | 8.01% | 291,178.0 |
| 14 | FIRST CAPITAL BANK | QUANAH, TX | 7.82% | 116,310.0 |
| 15 | FIRST STATE BANK OF MALTA, THE | MALTA, MT | 7.53% | 201,274.0 |
| 16 | CROSS RIVER BANK | FORT LEE, NJ | 7.50% | 8,057,896.0 |
| 17 | MRV BANKS | SAINTE GENEVIEVE, MO | 7.33% | 862,417.0 |
| 18 | CITIZENS BANK & TRUST COMPANY | COVINGTON, LA | 7.31% | 175,876.0 |
| 19 | CITIZENS COMMUNITY BANK | MASCOUTAH, IL | 7.25% | 532,051.0 |
| 20 | FIRST ENTERPRISE BANK | OKLAHOMA CITY, OK | 7.18% | 197,883.0 |
| 21 | WELLINGTON STATE BANK | WELLINGTON, TX | 7.17% | 653,212.0 |
| 22 | NEW OMNI BANK, NATIONAL ASSOCIATION | ALHAMBRA, CA | 7.13% | 520,138.0 |
| 23 | INDUSTRIAL BANK | WASHINGTON, DC | 7.03% | 773,478.0 |
| 24 | FIRST SECURITY BANK AND TRUST COMPANY | OKLAHOMA CITY, OK | 6.80% | 255,112.0 |
| 25 | FIRST CENTRAL BANK MCCOOK | MCCOOK, NE | 6.43% | 127,251.0 |
| 26 | MIDAMERICA NATIONAL BANK | CANTON, IL | 6.34% | 640,200.0 |
| 27 | FIRST SOUTHERN BANK | FLORENCE, AL | 6.31% | 732,162.0 |
| 28 | ENTERPRISE BANK | ALLISON PARK, PA | 6.31% | 491,714.0 |
| 29 | CARTER BANK & TRUST | MARTINSVILLE, VA | 6.31% | 4,831,021.0 |
| 30 | OZONA BANK | OZONA, TX | 6.20% | 326,953.0 |
| 31 | HEADWATERS STATE BANK | LAND O'LAKES, WI | 6.19% | 117,440.0 |
| 32 | INTERNATIONAL BANK OF COMMERCE | BROWNSVILLE, TX | 6.17% | 4,387,332.0 |
| 33 | NEWTEK BANK, NATIONAL ASSOCIATION | MIAMI, FL | 6.15% | 1,730,035.0 |
| 34 | FIRST STATE BANK OF BIGFORK | BIGFORK, MN | 6.14% | 113,681.0 |
| 35 | SNB BANK, NATIONAL ASSOCIATION | SHATTUCK, OK | 6.12% | 135,897.0 |
| 36 | WILMINGTON TRUST, NATIONAL ASSOCIATION | WILMINGTON, DE | 6.12% | 772,799.0 |
| 37 | FNB BANK | GOODLAND, KS | 6.11% | 272,944.0 |
| 38 | NORTHERN BANK & TRUST COMPANY | WOBURN, MA | 6.01% | 3,167,025.0 |
| 39 | MODERN BANK, NATIONAL ASSOCIATION | NEW YORK, NY | 6.01% | 664,062.0 |
| 40 | CFG BANK | LUTHERVILLE, MD | 6.01% | 5,739,598.0 |
| 41 | WALDEN MUTUAL BANK | CONCORD, NH | 6.00% | 171,740.0 |
| 42 | FINWISE BANK | MURRAY, UT | 5.94% | 967,454.0 |
| 43 | TOUCHMARK NATIONAL BANK | ALPHARETTA, GA | 5.93% | 418,375.0 |
| 44 | PAULS VALLEY NATIONAL BANK, THE | PAULS VALLEY, OK | 5.91% | 348,568.0 |
| 45 | BANK OF FRANKEWING | FRANKEWING, TN | 5.87% | 446,407.0 |
| 46 | STERLING FEDERAL BANK, FEDERAL SAVINGS BANK | STERLING, IL | 5.86% | 513,696.0 |
| 47 | EAGLEBANK | BETHESDA, MD | 5.84% | 10,445,598.0 |
| 48 | MIDWEST REGIONAL BANK | CLAYTON, MO | 5.72% | 1,049,767.0 |
| 49 | CARVER FEDERAL SAVINGS BANK | NEW YORK, NY | 5.57% | 695,941.0 |
| 50 | BANK OF ENGLAND | ENGLAND, AR | 5.53% | 328,622.0 |
| 51 | ANNA-JONESBORO NATIONAL BANK | ANNA, IL | 5.51% | 235,509.0 |
| 52 | FIRST BANK & TRUST COMPANY | DUNCAN, OK | 5.51% | 948,406.0 |
| 53 | FIRST NATIONAL BANK AND TRUST COMPANY OF WEATHERFORD DBA FIRST BANK TEXAS | WEATHERFORD, TX | 5.49% | 978,794.0 |
| 54 | FIRST NATIONAL BANK & TRUST | IRON MOUNTAIN, MI | 5.42% | 412,114.0 |
| 55 | FLAGSTAR BANK, NATIONAL ASSOCIATION | HICKSVILLE, NY | 5.28% | 87,511,954.0 |
| 56 | LIVE OAK BANKING COMPANY | WILMINGTON, NC | 5.25% | 15,057,824.0 |
| 57 | FIRST BANK | STERLING, KS | 5.24% | 151,957.0 |
| 58 | ALL AMERICA BANK | OKLAHOMA CITY, OK | 5.21% | 593,707.0 |
| 59 | IUKA STATE BANK, THE | SALEM, IL | 5.19% | 142,444.0 |
| 60 | WCF FINANCIAL BANK | WEBSTER CITY, IA | 5.18% | 227,490.0 |
| 61 | FIRST UTAH BANK | SALT LAKE CITY, UT | 5.10% | 845,540.0 |
| 62 | BANK OF GRANDIN | GRANDIN, MO | 5.08% | 234,655.0 |
| 63 | COMMERCIAL BANK & TRUST COMPANY | MONTICELLO, AR | 5.04% | 375,073.0 |
| 64 | CENLAR FSB | EWING, NJ | 5.04% | 899,183.0 |
| 65 | FIRST CENTRAL BANK | CAMBRIDGE, NE | 4.98% | 144,454.0 |
| 66 | FIDELITY CO-OPERATIVE BANK | LEOMINSTER, MA | 4.92% | 1,378,852.0 |
| 67 | GLOBAL BANK | NEW YORK, NY | 4.87% | 272,576.0 |
| 68 | RARITAN STATE BANK | RARITAN, IL | 4.82% | 249,367.0 |
| 69 | FIRSTIER BANK | KIMBALL, NE | 4.73% | 1,082,291.0 |
| 70 | PEOPLES BANK | LYONS, GA | 4.70% | 188,769.0 |
| 71 | SOUTHERN ILLINOIS BANK | JOHNSTON CITY, IL | 4.70% | 137,861.0 |
| 72 | SEATTLE BANK | SEATTLE, WA | 4.70% | 1,035,314.0 |
| 73 | CITIZENS INDEPENDENT BANK | SAINT LOUIS PARK, MN | 4.70% | 314,606.0 |
| 74 | BANK OF ANGUILLA | ANGUILLA, MS | 4.63% | 192,039.0 |
| 75 | COMMERCIAL STATE BANK | PALMER, TX | 4.62% | 120,357.0 |
| 76 | FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH | BATH, ME | 4.60% | 186,457.0 |
| 77 | EMIGRANT BANK | MIAMI, FL | 4.58% | 5,766,998.0 |
| 78 | INTERSTATE BANK | PERRYTON, TX | 4.55% | 275,696.0 |
| 79 | PATHFINDER BANK | OSWEGO, NY | 4.55% | 1,416,480.0 |
| 80 | CITIZENS SAVINGS BANK AND TRUST COMPANY | NASHVILLE, TN | 4.54% | 183,374.0 |
| 81 | FIRST BANK OF THE LAKE | OSAGE BEACH, MO | 4.54% | 2,266,431.0 |
| 82 | SOLON STATE BANK | SOLON, IA | 4.49% | 125,699.0 |
| 83 | MILESTONE BANK | SALT LAKE CITY, UT | 4.48% | 374,567.0 |
| 84 | CENTRAL STATE BANK | CLAYTON, IL | 4.44% | 177,236.0 |
| 85 | BANKVISTA | SARTELL, MN | 4.34% | 633,300.0 |
| 86 | INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NEW YORK, NY | 4.33% | 2,902,760.0 |
| 87 | FEDERAL SAVINGS BANK, THE | CHICAGO, IL | 4.32% | 1,138,673.0 |
| 88 | DEMOTTE STATE BANK | DEMOTTE, IN | 4.27% | 610,154.0 |
| 89 | FIRST GUARANTY BANK | HAMMOND, LA | 4.23% | 4,075,579.0 |
| 90 | HOME STATE BANK | JEFFERSON, IA | 4.19% | 460,238.0 |
| 91 | FFB BANK | FRESNO, CA | 4.14% | 1,579,389.0 |
| 92 | ST. LANDRY BANK AND TRUST COMPANY | OPELOUSAS, LA | 4.12% | 298,627.0 |
| 93 | BANK OF HOLLY SPRINGS, THE | HOLLY SPRINGS, MS | 4.11% | 555,566.0 |
| 94 | FIRST STATE BANK OF BLAKELY | BLAKELY, GA | 4.10% | 668,744.0 |
| 95 | HOME FEDERAL BANK OF TENNESSEE | KNOXVILLE, TN | 4.07% | 2,730,135.0 |
| 96 | LINCOLN SAVINGS BANK | REINBECK, IA | 4.07% | 1,752,564.0 |
| 97 | HARBOR BANK OF MARYLAND, THE | BALTIMORE, MD | 4.06% | 380,381.0 |
| 98 | STATE BANK | WATERLOO, IL | 4.06% | 303,919.0 |
| 99 | SCHERTZ BANK & TRUST | SCHERTZ, TX | 4.05% | 770,199.0 |
| 100 | PATRIOT BANK, NATIONAL ASSOCIATION | STAMFORD, CT | 4.05% | 1,088,831.0 |
More Asset Quality rankings
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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