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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 1,435 ranked banks, the median All loans: Nonaccrual Rate is 0.81%, and 123 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.

123Above 3% Nonaccrual
4731% to 3%
8391% or Less
1,435Total 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 1,435 ranked banks. Create a free account or sign in to see every ranked bank.

# Bank HQ Asset Tier All loans: Nonaccrual Rate Nonaccrual rate a year earlier, Q2 2025 Nonaccrual loans30 to 89 days past due90 days and over past due Band
1 Monet Bank Plano, TX 4: $1B-10B 25.76% 12.53% $117.0M0.91%0.00% HIGH
2 California Pacific Bank Hayward, CA 5: $100M-1B 15.83% 4.47% $13.6M0.25%0.00% HIGH
3 The Berkshire Bank New York, NY 5: $100M-1B 12.67% 5.47% $18.3M2.54%0.00% HIGH
4 Solon State Bank Solon, IA 5: $100M-1B 11.69% 4.61% $10.1M2.03%0.00% HIGH
5 First Southern Bank Florence, AL 5: $100M-1B 10.79% 5.61% $50.4M2.52%0.06% HIGH
6 Bank of the Federated States of Micronesia Pohnpei 5: $100M-1B 9.98% 1.41% $6.2M3.50%0.00% HIGH
7 International Bank of Commerce Brownsville, TX 4: $1B-10B 9.16% 6.14% $144.3M0.23%0.02% HIGH
8 First Security Bank and Trust Company Oklahoma City, OK 5: $100M-1B 8.95% 0.21% $17.8M1.35%4.25% HIGH
9 The Idabel National Bank Idabel, OK 5: $100M-1B 8.39% 8.24% $13.1M0.98%0.00% HIGH
10 First Bank and Trust Company of Illinois Palatine, IL 5: $100M-1B 8.37% 1.01% $10.8M0.31%0.00% HIGH
11 Unity Bank Augusta, WI 5: $100M-1B 8.36% 6.29% $36.6M1.18%0.00% HIGH
12 The Iuka State Bank Salem, IL 5: $100M-1B 7.98% 2.39% $8.7M1.83%0.00% HIGH
13 Citizens Bank & Trust Company Covington, LA 5: $100M-1B 7.15% 2.67% $8.3M3.43%0.00% HIGH
14 Texas Advantage Community Bank, N.A. Alvin, TX 5: $100M-1B 7.09% 1.64% $5.7M0.02%0.00% HIGH
15 Newtek Bank, N.A. Miami, FL 4: $1B-10B 7.00% 4.84% $143.6M3.57%0.18% HIGH
16 South Lafourche Bank & Trust Company Larose, LA 5: $100M-1B 6.95% 2.03% $9.9M0.00%0.00% HIGH
17 Wilmington Trust, N.A. Wilmington, DE 5: $100M-1B 6.86% 4.84% $1.6M2.05%0.00% HIGH
18 Midwest Regional Bank Clayton, MO 5: $100M-1B 6.61% 4.55% $50.7M1.04%0.00% HIGH
19 Old Glory Bank Elmore City, OK 5: $100M-1B 6.58% 0.48% $1.5M1.54%0.00% HIGH
20 First Utah Bank Salt Lake City, UT 5: $100M-1B 6.38% 3.30% $40.5M1.08%0.00% HIGH
21 Farmers Bank Ault, CO 5: $100M-1B 6.34% 0.74% $10.8M1.19%0.00% HIGH
22 Sterling Federal Bank, Federal Savings Bank Sterling, IL 5: $100M-1B 6.26% 5.79% $21.2M0.76%0.00% HIGH
23 New Omni Bank, N.A. Alhambra, CA 5: $100M-1B 6.23% 1.73% $24.0M3.26%1.45% HIGH
24 Enterprise Bank Allison Park, PA 5: $100M-1B 6.18% 2.47% $22.2M2.37%0.00% HIGH
25 SNB Bank, N.A. Shattuck, OK 5: $100M-1B 6.18% 2.56% $5.7M2.15%0.00% HIGH
26 Peoples National Bank of Kewanee Kewanee, IL 5: $100M-1B 6.15% 2.67% $10.1M0.99%0.00% HIGH
27 First State Bank of Bigfork Bigfork, MN 5: $100M-1B 5.96% 4.50% $4.8M4.63%0.43% HIGH
28 M C Bank & Trust Company Morgan City, LA 5: $100M-1B 5.84% 0.36% $20.5M1.63%0.00% HIGH
29 MRV Banks Sainte Genevieve, MO 5: $100M-1B 5.72% 4.57% $38.0M0.18%0.00% HIGH
30 Eastern Savings Bank Federal Savings Bank Hunt Valley, MD 5: $100M-1B 5.61% 3.00% $13.7M2.15%1.12% HIGH
31 Citizens Community Bank Mascoutah, IL 5: $100M-1B 5.59% 3.75% $15.7M1.73%0.21% HIGH
32 Bank of Moundville Moundville, AL 5: $100M-1B 5.45% 0.08% $3.2M2.00%0.00% HIGH
33 Merchants & Farmers Bank of Greene County Eutaw, AL 5: $100M-1B 5.41% 3.57% $4.5M3.34%0.00% HIGH
34 Commercial Bank & Trust Company Monticello, AR 5: $100M-1B 5.40% 3.74% $13.5M1.48%0.00% HIGH
35 Hiawatha National Bank Hager City, WI 5: $100M-1B 5.32% 2.32% $30.5M0.92%0.00% HIGH
36 Milestone Bank Salt Lake City, UT 5: $100M-1B 5.32% 1.38% $15.8M0.39%0.00% HIGH
37 All America Bank Oklahoma City, OK 5: $100M-1B 5.31% 4.23% $23.3M3.06%0.19% HIGH
38 First National Bank Alamogordo, NM 5: $100M-1B 5.29% 2.19% $11.6M0.87%0.00% HIGH
39 Wellington State Bank Wellington, TX 5: $100M-1B 5.27% 2.55% $18.1M1.04%0.00% HIGH
40 Peoples Bank Lyons, GA 5: $100M-1B 5.12% 0.00% $5.9M0.23%0.00% HIGH
41 Touchmark National Bank Alpharetta, GA 5: $100M-1B 5.06% 4.66% $16.1M1.97%0.00% HIGH
42 WCF Financial Bank Webster City, IA 5: $100M-1B 5.05% 0.21% $8.9M3.79%0.06% HIGH
43 American Bank Covington, LA 5: $100M-1B 5.03% 2.77% $12.5M5.10%0.00% HIGH
44 Industrial Bank Washington, DC 5: $100M-1B 5.02% 3.17% $20.9M1.99%1.52% HIGH
45 Pathward, N.A. Sioux Falls, SD 4: $1B-10B 4.91% 1.28% $255.4M3.62%0.38% HIGH
46 United Republic Bank Omaha, NE 5: $100M-1B 4.88% 3.24% $6.7M0.00%0.00% HIGH
47 Central Bank Little Rock, AR 5: $100M-1B 4.75% 1.08% $39.1M2.23%0.00% HIGH
48 Pathfinder Bank Oswego, NY 4: $1B-10B 4.69% 1.28% $42.0M0.81%0.00% HIGH
49 First Bank Sterling, KS 5: $100M-1B 4.64% 0.13% $5.4M0.32%3.18% HIGH
50 The Bank of Holly Springs Holly Springs, MS 5: $100M-1B 4.59% 1.84% $19.8M3.18%0.02% HIGH
51 Gbank Las Vegas, NV 4: $1B-10B 4.57% 1.99% $50.2M1.11%0.39% HIGH
52 Drake Bank Saint Paul, MN 5: $100M-1B 4.49% 1.73% $8.7M0.04%0.00% HIGH
53 Citizens Progressive Bank Winnsboro, LA 5: $100M-1B 4.48% 0.22% $8.4M0.80%0.03% HIGH
54 Farmers & Merchants State Bank of Springfield Springfield, MN 5: $100M-1B 4.48% 0.00% $4.0M1.11%0.00% HIGH
55 Global Bank New York, NY 5: $100M-1B 4.47% 0.64% $11.2M0.49%0.00% HIGH
56 Fidelity Co-Operative Bank Leominster, MA 4: $1B-10B 4.45% 0.85% $42.7M0.31%0.00% HIGH
57 Millennium Bank Des Plaines, IL 5: $100M-1B 4.37% 2.40% $29.1M1.18%0.00% HIGH
58 Firstier Bank Kimball, NE 4: $1B-10B 4.36% 3.48% $35.7M0.51%0.14% HIGH
59 Midamerica National Bank Canton, IL 5: $100M-1B 4.34% 2.98% $19.4M2.09%0.03% HIGH
60 Bogota Savings Bank Teaneck, NJ 5: $100M-1B 4.30% 1.99% $27.5M0.16%0.00% HIGH
61 Southern Illinois Bank Johnston City, IL 5: $100M-1B 4.29% 0.05% $3.2M0.64%0.46% HIGH
62 Bank of England England, AR 5: $100M-1B 4.26% 3.08% $4.2M0.02%0.00% HIGH
63 Security First National Bank of Hugo Hugo, OK 5: $100M-1B 4.15% 0.07% $4.2M0.54%0.00% HIGH
64 FNB Bank Goodland, KS 5: $100M-1B 4.03% 2.89% $7.3M2.79%0.00% HIGH
65 Twin Cedars Bank Bussey, IA 5: $100M-1B 4.01% 0.84% $3.6M0.87%0.60% HIGH
66 Bank of Louisiana New Orleans, LA 5: $100M-1B 3.94% 1.88% $2.6M8.70%0.63% HIGH
67 Home Federal Bank of Tennessee Knoxville, TN 4: $1B-10B 3.90% 0.40% $58.2M0.03%0.02% HIGH
68 Gateway Bank Rison, AR 5: $100M-1B 3.86% 2.83% $6.2M0.93%0.10% HIGH
69 Outdoor Bank Manhattan, KS 5: $100M-1B 3.81% 1.94% $18.1M2.79%0.01% HIGH
70 First State Bank and Trust Company, Inc. Caruthersville, MO 5: $100M-1B 3.80% 1.44% $18.5M1.15%0.96% HIGH
71 Northwest Bank Boise, ID 4: $1B-10B 3.79% 2.17% $32.7M0.42%0.00% HIGH
72 Lincoln Savings Bank Reinbeck, IA 4: $1B-10B 3.78% 2.70% $44.8M0.12%0.54% HIGH
73 The Fahey Banking Company Marion, OH 5: $100M-1B 3.77% 1.28% $11.8M2.07%0.05% HIGH
74 Burling Bank Chicago, IL 5: $100M-1B 3.77% 0.00% $6.6M0.00%0.00% HIGH
75 Heritage Bank, N.A. Spicer, MN 5: $100M-1B 3.75% 2.02% $11.6M3.04%0.09% HIGH
76 First Bank of the Lake Osage Beach, MO 4: $1B-10B 3.70% 3.33% $80.5M0.72%0.00% HIGH
77 Meridian Bank Malvern, PA 4: $1B-10B 3.67% 2.34% $82.1M0.09%0.00% HIGH
78 Savers Co-Operative Bank Southbridge, MA 5: $100M-1B 3.64% 1.34% $22.3M0.09%0.00% HIGH
79 Celtic Bank Corporation Salt Lake City, UT 4: $1B-10B 3.62% 2.72% $166.2M0.79%0.00% HIGH
80 Transpecos Banks, SSB Pecos, TX 5: $100M-1B 3.61% 2.39% $23.8M1.08%1.33% HIGH
81 Commercial Capital Bank Delhi, LA 5: $100M-1B 3.59% 1.93% $17.6M1.09%2.08% HIGH
82 First Financial Bank El Dorado, AR 4: $1B-10B 3.57% 1.90% $61.8M2.28%0.07% HIGH
83 Universal Bank West Covina, CA 5: $100M-1B 3.56% 0.70% $9.3M0.00%0.17% HIGH
84 Kendall Bank Overland Park, KS 5: $100M-1B 3.54% 0.61% $6.3M2.65%0.00% HIGH
85 Southpoint Bank Birmingham, AL 4: $1B-10B 3.52% 2.83% $37.5M0.92%0.02% HIGH
86 American Momentum Bank College Station, TX 4: $1B-10B 3.52% 0.21% $70.2M0.11%0.00% HIGH
87 FFB Bank Fresno, CA 4: $1B-10B 3.52% 2.41% $44.2M0.22%0.02% HIGH
88 Quontic Bank Astoria, NY 5: $100M-1B 3.51% 2.16% $21.7M0.39%0.00% HIGH
89 Bank of Washington Washington, MO 4: $1B-10B 3.50% 2.58% $36.1M0.00%0.00% HIGH
90 Walden Mutual Bank Concord, NH 5: $100M-1B 3.50% 2.67% $4.4M0.09%0.00% HIGH
91 Great Plains Bank Eureka, SD 5: $100M-1B 3.49% 1.44% $3.8M1.11%0.00% HIGH
92 Farmers Savings Bank Fostoria, IA 5: $100M-1B 3.48% 1.81% $6.1M0.69%0.00% HIGH
93 Interstate Bank Perryton, TX 5: $100M-1B 3.47% 1.58% $5.0M0.79%0.00% HIGH
94 Commerce Bank & Trust Winter Park, FL 5: $100M-1B 3.43% 1.84% $4.5M0.00%0.00% HIGH
95 Riverbank Pocahontas, AR 5: $100M-1B 3.42% 1.61% $4.7M0.18%0.00% HIGH
96 The Bank Oberlin, KS 5: $100M-1B 3.40% 2.96% $12.8M1.08%0.04% HIGH
97 Integro Bank Phoenix, AZ 5: $100M-1B 3.39% 0.78% $5.6M0.00%0.30% HIGH
98 First Texoma National Bank Durant, OK 5: $100M-1B 3.38% 3.25% $5.2M0.54%0.00% HIGH
99 Priority Bank Fayetteville, AR 5: $100M-1B 3.37% 2.26% $3.9M1.74%0.00% HIGH
100 Goldwater Bank, N.A. Phoenix, AZ 5: $100M-1B 3.32% 2.05% $15.2M1.79%0.81% HIGH

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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