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Loan Sale Prospects: US Banks with Rising Nonaccrual Loans by Portfolio

A bank whose nonaccrual loans are rising in one portfolio is the bank most likely to sell loans, hire a workout or collections firm, or bring in a consultant. This screen lists every FDIC-insured US bank whose nonaccrual rate in the chosen portfolio is higher than it was in the same quarter a year earlier, ranked by the current rate, with the dollar amount on nonaccrual and the 30 to 89 day and 90 day past due rates beside it. Pick a portfolio below. The list is drawn from public call report filings and is not a statement that any bank is selling loans.

Data as of Q2 2026 call reports. Ranked highest first; closed charters are excluded. Only banks whose rate is higher than in Q2 2025 are listed. Across the 103 ranked banks, the median Consumer: Nonaccrual Rate is 0.87%, and 17 have more than 3% of the portfolio on nonaccrual. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.

17Above 3% Nonaccrual
301% to 3%
561% or Less
103Total Ranked

How the bands work. Low: 1% or lower. Elevated: above 1% up to 3%. High: above 3%. These are screening cutoffs, not supervisory ratings.

Showing the top 100 of 103 ranked banks. Create a free account or sign in to see every ranked bank.

# Bank HQ Asset Tier Consumer: Nonaccrual Rate Nonaccrual rate a year earlier, Q2 2025 Nonaccrual loans30 to 89 days past due90 days and over past due Band
1 First & Peoples Bank and Trust Company Russell, KY 5: $100M-1B 76.03% 0.00% $13.9M0.18%0.00% HIGH
2 Cedar Rapids Bank and Trust Company Cedar Rapids, IA 4: $1B-10B 19.48% 0.00% $975K0.82%0.00% HIGH
3 Merchants & Farmers Bank of Greene County Eutaw, AL 5: $100M-1B 11.01% 9.00% $1.1M7.35%0.00% HIGH
4 Waterford Bank, N.A. Toledo, OH 4: $1B-10B 10.53% 0.00% $658K0.00%0.00% HIGH
5 The Federal Savings Bank Chicago, IL 4: $1B-10B 8.63% 2.40% $795K4.46%0.00% HIGH
6 Mason Bank Mason, TX 5: $100M-1B 4.90% 1.91% $908K8.23%0.55% HIGH
7 The Peoples Bank Magnolia, AR 5: $100M-1B 4.78% 4.21% $1.4M4.35%0.05% HIGH
8 Blue Ridge Bank, N.A. Martinsville, VA 4: $1B-10B 4.01% 1.85% $1.1M4.01%0.42% HIGH
9 Amerant Bank, N.A. Coral Gables, FL 3: $10B-100B 3.97% 0.27% $8.3M0.53%0.00% HIGH
10 Citizens' Bank of Charleston Charleston, MO 5: $100M-1B 3.80% 2.68% $756K3.14%0.00% HIGH
11 Midcountry Bank Bloomington, MN 4: $1B-10B 3.71% 2.87% $1.1M1.19%0.00% HIGH
12 Bank Midwest Spirit Lake, IA 4: $1B-10B 3.66% 2.80% $1.2M1.52%0.00% HIGH
13 FMS Bank Fort Morgan, CO 5: $100M-1B 3.54% 0.89% $973K4.90%3.01% HIGH
14 Bridgewater Bank Saint Louis Park, MN 4: $1B-10B 3.27% 0.00% $799K0.08%0.00% HIGH
15 Citizens Guaranty Bank Richmond, KY 5: $100M-1B 3.15% 2.66% $826K4.02%0.00% HIGH
16 Ascend Bank Guilford, CT 4: $1B-10B 3.07% 0.00% $582K0.07%0.00% HIGH
17 Tbo Bank Orrick, MO 5: $100M-1B 3.01% 0.00% $2.7M13.50%0.41% HIGH
18 Simmesport State Bank Simmesport, LA 5: $100M-1B 2.66% 1.95% $530K3.59%0.00% ELEVATED
19 First Citizens Community Bank Mansfield, PA 4: $1B-10B 2.60% 1.68% $1.0M0.63%0.01% ELEVATED
20 The Bank of Lafayette La Fayette, GA 5: $100M-1B 2.48% 2.14% $582K3.33%0.04% ELEVATED
21 FirstBank Nashville, TN 3: $10B-100B 2.48% 2.36% $14.2M2.66%1.35% ELEVATED
22 First State Bank and Trust Company Carthage, TX 5: $100M-1B 2.03% 1.66% $502K2.15%0.00% ELEVATED
23 The Bank of Holly Springs Holly Springs, MS 5: $100M-1B 2.02% 1.44% $743K2.71%0.24% ELEVATED
24 Bna Bank New Albany, MS 5: $100M-1B 1.97% 1.17% $569K1.31%0.10% ELEVATED
25 HomeTrust Bank Asheville, NC 4: $1B-10B 1.92% 0.78% $585K3.22%0.00% ELEVATED
26 Armed Forces Bank, N.A. Fort Leavenworth, KS 4: $1B-10B 1.90% 1.48% $503K4.25%0.18% ELEVATED
27 Centreville Bank West Warwick, RI 4: $1B-10B 1.88% 0.00% $1.1M0.69%0.22% ELEVATED
28 Tri Counties Bank Chico, CA 4: $1B-10B 1.74% 0.69% $540K1.42%0.00% ELEVATED
29 Shoreham Bank Warwick, RI 5: $100M-1B 1.74% 1.32% $1.6M0.81%0.00% ELEVATED
30 BankFirst Financial Services Macon, MS 4: $1B-10B 1.64% 0.88% $512K1.04%0.00% ELEVATED
31 Santander Bank, N.A. Wilmington, DE 2: $100B-250B 1.62% 1.58% $321.3M2.78%0.04% ELEVATED
32 American Bank, N.A. Dallas, TX 5: $100M-1B 1.56% 0.52% $1.6M11.85%0.00% ELEVATED
33 First National Bank Alamogordo, NM 5: $100M-1B 1.39% 0.05% $556K0.80%0.00% ELEVATED
34 Foresight Bank Winnebago, IL 4: $1B-10B 1.39% 0.79% $723K1.83%0.02% ELEVATED
35 First Western Trust Bank Denver, CO 4: $1B-10B 1.37% 1.34% $1.9M0.01%0.00% ELEVATED
36 The Bank of Fayette County Piperton, TN 4: $1B-10B 1.30% 0.80% $574K2.22%0.17% ELEVATED
37 First Shore Federal Savings and Loan Association Salisbury, MD 5: $100M-1B 1.28% 0.78% $681K2.41%0.00% ELEVATED
38 Uplift Bank Arkadelphia, AR 4: $1B-10B 1.28% 0.83% $509K0.53%0.00% ELEVATED
39 City National Bank of Florida Miami, FL 3: $10B-100B 1.19% 1.15% $567K0.00%0.00% ELEVATED
40 Equity Bank Andover, KS 4: $1B-10B 1.14% 1.05% $712K0.85%0.10% ELEVATED
41 Skowhegan Savings Bank Skowhegan, ME 5: $100M-1B 1.14% 0.87% $546K0.34%0.00% ELEVATED
42 Better Banks Peoria, IL 5: $100M-1B 1.13% 1.12% $1.3M0.65%0.05% ELEVATED
43 Truist Bank Charlotte, NC 1: >= $250B 1.13% 0.54% $638.0M1.39%0.12% ELEVATED
44 Popular Bank New York, NY 3: $10B-100B 1.08% 0.91% $734K2.37%0.00% ELEVATED
45 BayCoast Bank Swansea, MA 4: $1B-10B 1.08% 0.96% $1.2M0.50%0.00% ELEVATED
46 Bankwest, Incorporated Pierre, SD 4: $1B-10B 1.04% 0.79% $1.3M1.24%0.00% ELEVATED
47 1st Financial Bank USA Dakota Dunes, SD 4: $1B-10B 1.00% 0.82% $3.6M2.14%2.24% ELEVATED
48 Balboa Thrift and Loan Association Chula Vista, CA 5: $100M-1B 0.98% 0.48% $2.2M4.07%0.04% LOW
49 First Interstate Bank Billings, MT 3: $10B-100B 0.98% 0.58% $4.8M1.26%0.02% LOW
50 1st Security Bank of Washington Mountlake Terrace, WA 4: $1B-10B 0.95% 0.65% $5.4M0.87%0.00% LOW
51 USAA Federal Savings Bank Phoenix, AZ 2: $100B-250B 0.87% 0.82% $375.0M0.63%0.00% LOW
52 Chemung Canal Trust Company, N.A. Elmira, NY 4: $1B-10B 0.87% 0.43% $1.0M1.46%0.00% LOW
53 Horizon Bank Michigan City, IN 4: $1B-10B 0.81% 0.57% $694K3.23%0.53% LOW
54 Eaton Community Bank Charlotte, MI 5: $100M-1B 0.81% 0.19% $581K0.60%0.00% LOW
55 Forbright Bank Potomac, MD 4: $1B-10B 0.79% 0.41% $1.4M1.52%0.00% LOW
56 Cashmere Valley Bank Cashmere, WA 4: $1B-10B 0.74% 0.61% $1.7M1.32%0.00% LOW
57 Merrimack County Savings Bank Concord, NH 4: $1B-10B 0.73% 0.67% $1.7M0.39%0.00% LOW
58 Unibank for Savings Whitinsville, MA 4: $1B-10B 0.70% 0.16% $5.0M0.00%0.00% LOW
59 Kleberg Bank, N.A. Kingsville, TX 5: $100M-1B 0.67% 0.55% $503K0.35%0.00% LOW
60 TD Bank, N.A. Wilmington, DE 1: >= $250B 0.66% 0.62% $239.9M1.27%0.20% LOW
61 Sound Community Bank Seattle, WA 4: $1B-10B 0.65% 0.33% $935K0.35%0.00% LOW
62 Needham Bank Needham, MA 4: $1B-10B 0.61% 0.61% $1.7M1.58%0.00% LOW
63 Gate City Bank Fargo, ND 4: $1B-10B 0.59% 0.54% $3.6M0.40%0.00% LOW
64 Citizens Bank of West Virginia, Inc. Elkins, WV 5: $100M-1B 0.58% 0.34% $1.7M0.96%0.00% LOW
65 Bravera Bank Dickinson, ND 4: $1B-10B 0.54% 0.40% $2.2M0.63%0.01% LOW
66 First-Citizens Bank & Trust Company Raleigh, NC 2: $100B-250B 0.53% 0.36% $11.0M0.97%0.05% LOW
67 First Financial Bank Cincinnati, OH 3: $10B-100B 0.53% 0.49% $1.0M0.92%0.13% LOW
68 Merrick Bank South Jordan, UT 4: $1B-10B 0.49% 0.36% $42.5M3.75%3.03% LOW
69 Stock Yards Bank & Trust Company Louisville, KY 3: $10B-100B 0.48% 0.35% $569K0.65%0.00% LOW
70 Union Bank and Trust Company Lincoln, NE 4: $1B-10B 0.47% 0.41% $3.0M1.39%0.26% LOW
71 First Fed Bank Port Angeles, WA 4: $1B-10B 0.45% 0.14% $1.3M1.05%0.00% LOW
72 Capital City Bank Tallahassee, FL 4: $1B-10B 0.45% 0.30% $825K0.60%0.00% LOW
73 Medallion Bank Salt Lake City, UT 4: $1B-10B 0.45% 0.39% $12.0M2.88%0.00% LOW
74 Primis Bank Tappahannock, VA 4: $1B-10B 0.42% 0.27% $1.1M0.61%0.00% LOW
75 Meredith Village Savings Bank Meredith, NH 4: $1B-10B 0.42% 0.36% $625K0.43%0.00% LOW
76 Wayne Bank Honesdale, PA 4: $1B-10B 0.42% 0.36% $1.4M0.34%0.00% LOW
77 Toyota Financial Savings Bank Henderson, NV 3: $10B-100B 0.35% 0.02% $17.1M0.73%0.00% LOW
78 Banc of California Los Angeles, CA 3: $10B-100B 0.34% 0.19% $1.2M0.43%0.00% LOW
79 PNC Bank, N.A. Wilmington, DE 1: >= $250B 0.34% 0.33% $85.6M0.74%0.39% LOW
80 Farm Bureau Bank FSB Reno, NV 4: $1B-10B 0.30% 0.26% $1.1M1.22%0.49% LOW
81 Community West Bank Fresno, CA 4: $1B-10B 0.28% 0.22% $1.3M0.43%0.00% LOW
82 Zions Bancorporation, N.A. Salt Lake City, UT 3: $10B-100B 0.25% 0.18% $1.6M0.38%0.16% LOW
83 Associated Bank, N.A. Green Bay, WI 3: $10B-100B 0.25% 0.25% $11.2M0.56%0.08% LOW
84 KeyBank N.A. Cleveland, OH 2: $100B-250B 0.21% 0.21% $11.5M0.67%0.56% LOW
85 UMB Bank, N.A. Kansas City, MO 3: $10B-100B 0.21% 0.12% $1.2M0.89%1.68% LOW
86 Shore United Bank, N.A. Easton, MD 4: $1B-10B 0.21% 0.21% $506K0.21%0.01% LOW
87 Bank OZK Little Rock, AR 3: $10B-100B 0.20% 0.20% $9.1M0.21%0.00% LOW
88 Sunrise Banks, N.A. Sioux Falls, SD 4: $1B-10B 0.18% 0.10% $539K1.33%0.44% LOW
89 Independent Bank Grand Rapids, MI 4: $1B-10B 0.18% 0.15% $940K0.32%0.00% LOW
90 Optum Bank, Inc. Draper, UT 3: $10B-100B 0.18% 0.12% $4.0M1.31%0.72% LOW
91 Pinnacle Bank Nashville, TN 2: $100B-250B 0.17% 0.09% $4.3M0.61%0.18% LOW
92 TowneBank Portsmouth, VA 3: $10B-100B 0.16% 0.15% $1.3M0.85%0.08% LOW
93 Banterra Bank Marion, IL 4: $1B-10B 0.16% 0.12% $1.3M0.19%0.01% LOW
94 Hancock Whitney Bank Gulfport, MS 3: $10B-100B 0.15% 0.10% $562K0.56%0.25% LOW
95 The Park National Bank Newark, OH 3: $10B-100B 0.15% 0.15% $2.9M0.52%0.03% LOW
96 Citizens and Farmers Bank West Point, VA 4: $1B-10B 0.15% 0.15% $707K3.32%0.00% LOW
97 NBT Bank, N.A. Norwich, NY 3: $10B-100B 0.13% 0.11% $2.8M0.95%0.08% LOW
98 Central Pacific Bank Honolulu, HI 4: $1B-10B 0.13% 0.12% $543K1.06%0.07% LOW
99 Arrow Bank N.A. Glens Falls, NY 4: $1B-10B 0.12% 0.11% $1.3M1.47%0.00% LOW
100 Goldman Sachs Bank USA New York, NY 1: >= $250B 0.09% 0.02% $20.0M1.67%1.50% LOW

Methodology

Ranks every active FDIC-insured bank with total assets of at least $100 million that filed the quarter shown and the same quarter a year earlier, whose nonaccrual rate in the chosen portfolio is higher now than then, and that hold at least $500,000 of nonaccrual loans in that portfolio, so a single small loan in a tiny book does not lead the list. Refreshed quarterly. Banks file Call Reports within 30 days of quarter-end (35 days for banks with more than one foreign office), the FFIEC posts the bulk files about 45 days after quarter-end, and BankRegReports loads each quarter by the middle of the second month after it closes, for example Q1 by mid-May.

Source authority: FFIEC Call Report Schedule RC-N (past due and nonaccrual loans): column A (30 to 89 days past due), column B (90 days and over, still accruing) and column C (nonaccrual), each divided by the same portfolio's loans on Schedule RC-C. The year-earlier value is the same bank's filing for the same quarter one year before.

Frequently asked

Why does a rising nonaccrual rate point to a loan sale?

Nonaccrual loans earn no interest, carry a higher allowance and draw examiner attention. When they build up in one portfolio, a bank's usual options are to work the loans out, foreclose, or sell them, often as a pool of nonperforming notes. A rising rate is a reason to call, not proof that a sale is planned.

Why compare with a year earlier and not the prior quarter?

Some portfolios are seasonal. Farm loans and credit cards move with the calendar, so a quarter-on-quarter change can be a season rather than a trend. Comparing the same quarter a year apart removes that.

What is the difference between past due and nonaccrual?

A loan 30 to 89 days past due is late but still accruing interest. At 90 days a loan is either still accruing because it is well secured and being collected, or it is placed on nonaccrual. Loans usually move through those stages a quarter or two apart, so a rising 30 to 89 day rate often comes before a rising nonaccrual rate.

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