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Distressed Note Industry
Bank Industry Trends
Quarterly NPL, REO, and distressed-bank analytics built from FDIC call reports.
Bank Trends
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Dashboard
Comprehensive banking industry health trends
Q3 2024
Distressed Banks Metrics
Distressed Banks' Total NPL
$15.0B
Distressed Banks' NPL %
6.50%
NPL Growth Rate
Banks ≥ 10% NPL (whole bank)
Trend Analysis (8 Quarters)
Loan Portfolio Trends
Total Portfolio
$190.5B
7.87% NPLCommercial Real Estate
8.75% NPL$48.0B
Commercial & Industrial
10.00% NPL$38.0B
Construction & Development
14.00% NPL$15.0B
Residential Real Estate
5.00% NPL$52.0B
Consumer Loans
6.00% NPL$28.0B
Agricultural Loans
6.50% NPL$9.5B
Crossed critical thresholds this Quarter
NPL %
First Community Bank
12.50%
Heritage National Bank
11.80%
Citizens State Bank
10.90%
Valley Commerce Bank
10.20%
Metro Regional Bank
10.00%
Top Movers
NPL Δ (pp)
Mountain View Bank
+4.20 pp
Coastal Commerce Bank
+3.80 pp
Prairie State Bank
+3.50 pp
River Valley Bank
+2.90 pp
Summit National Bank
+2.40 pp
Top Banks by REO
REO
Gateway National Bank
$125.0M
Horizon State Bank
$98.0M
Parkside Community Bank
$87.0M
Lakeside Banking Co
$72.0M
Central Trust Bank
$65.0M
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