FLORIDA ATLANTIC UNIVERSITY®

U.S. Banks’ Nonperforming Commercial Mortgages

This page presents information on the percentages of nonperforming commercial mortgages at the 157 largest banks in America out of more than 4,000 existing banks to help track their exposure to commercial real estate. Using publicly available quarterly data from the Federal Financial Institutions Examination Council Central Data Repository, we calculate and rank each bank’s total CRE exposure (the sum of CRE nonfarm-nonresidential mortgages, multifamily mortgages, CRE construction loans and unused CRE commitments) as a percentage of the bank’s total equity.

We also calculate the percentages of two different classifications of nonperforming commercial mortgages: owner-occupied and other(not owner-occupied). “Nonperforming mortgages refer to mortgages where the borrow is delinquent on payments by 30 days or more, and is a key measure of a bank’s “asset quality. High ratios of nonperforming loans have been identified as one of the leading predictors of bank failures. Regulators consider “owner-occupied commercial mortgages to be less risky than "other commercial mortgages.

This ongoing, quarterly project is produced by The Banking Initiative at Florida Atlantic University sponsored by Executive Education. This is the most currently available data (Q3-2025). 

Obs Bank Name ST Equity Assets Mortgages CRE, Owner Occupied Mortgages CRE, Other NPL Total, CRE, Owner Occupied NPL Total, CRE, Other CRE, to Equity
1 Live Oak Banking Company NC 1,083 14,582 2,775 1,908 5.6% 2.3% 617.6%
2 Eaglebank MD 1,139 10,764 1,106 2,036 2.6% 4.8% 545.1%
3 Servisfirst Bank AL 1,840 17,583 2,581 3,132 0.6% 0.6% 520.4%
4 Dime Community Bank NY 1,641 14,528 1,591 2,975 0.6% 1.7% 517.8%
5 ConnectOne Bank NJ 1,680 14,014 1,537 2,251 0.3% 0.1% 508.2%
6 Flagstar Bank, N.A. NY 8,609 91,593 2,594 5,298 3.2% 10.4% 493.8%
7 Bank OZK AR 6,093 41,607 818 8,095 0.7% 0.7% 489.9%
8 First United Bank And Trust Company OK 1,475 16,455 1,050 2,196 0.5% 3.4% 478.3%
9 Columbia Bank NJ 1,071 10,858 651 1,699 0.9% 0.1% 476.9%
10 Provident Bank NJ 3,106 24,840 2,781 7,046 0.7% 0.6% 474.9%
11 Beacon Bank Trust MA 2,400 22,780 1,752 5,332 0.6% 0.6% 444.3%
12 Israel Discount Bank Of New York NY 1,406 14,419 1,653 2,251 1.1% 2.0% 442.1%
13 Apple Bank NY 1,571 18,817 0 2,481 0.0% 0.0% 440.9%
14 First Foundation Bank CA 1,063 11,886 291 459 0.1% 1.2% 434.1%
15 Farmers And Merchants Bank Of Long Beach CA 1,404 11,621 774 3,617 0.0% 0.6% 431.1%
16 CITY NATIONAL BANK OF FLORIDA FL 2,816 27,771 1,653 6,037 0.2% 1.2% 430.4%
17 Banner Bank WA 1,923 16,556 2,325 2,215 0.1% 0.1% 424.1%
18 FIRSTBANK CO 1,786 26,621 1,425 2,719 0.6% 2.5% 418.8%
19 Amerant Bank, National Association FL 983 10,387 901 1,656 1.9% 0.3% 416.4%
20 Merchants Bank Of Indiana IN 2,179 19,297 178 1,445 1.1% 6.8% 412.8%
21 Washington Trust Bank WA 955 10,628 981 1,269 1.5% 1.0% 409.1%
22 Oceanfirst Bank, National Association NJ 1,710 14,231 913 3,485 0.8% 0.5% 408.3%
23 Popular Bank NY 2,056 14,940 1,920 2,118 1.0% 0.2% 399.2%
24 Zions Bancorporation, National Association UT 6,865 88,533 8,628 8,070 0.5% 1.1% 393.9%
25 Bank of Hope CA 2,337 18,501 2,936 4,358 0.7% 1.3% 386.6%
26 Simmons Bank AR 3,092 24,164 2,185 4,236 1.3% 1.1% 384.0%
27 TowneBank VA 2,398 19,683 1,910 3,778 0.1% 0.0% 380.0%
28 Synovus Bank GA 5,783 60,333 3,834 10,156 0.3% 0.4% 376.2%
29 Banc Of California CA 3,792 33,924 1,570 2,805 3.3% 6.4% 374.7%
30 Valley National Bank NJ 8,063 62,959 6,092 11,674 0.3% 1.5% 374.1%
31 Bell Bank ND 1,420 14,135 966 2,542 0.2% 0.0% 373.6%
32 Firstbank TN 2,004 16,201 2,039 2,890 0.3% 0.3% 371.2%
33 Trustmark Bank MS 2,190 18,799 1,382 1,918 0.3% 0.0% 368.5%
34 Washington Federal Bank WA 3,043 26,683 984 3,074 0.1% 2.3% 367.1%
35 Veritex Community Bank TX 1,762 12,715 840 2,506 1.4% 2.2% 365.8%
36 Columbia Bank OR 8,093 67,491 6,915 7,943 0.2% 0.6% 358.5%
37 ARVEST BANK AR 2,222 27,349 1,441 2,896 1.2% 1.0% 353.4%
38 Plainscapital Bank TX 1,501 12,641 1,419 1,677 0.9% 0.6% 351.7%
39 ENTERPRISE BANK TRUST MO 1,961 16,378 2,286 2,451 1.9% 2.3% 350.6%
40 CATHAY BANK CA 2,988 24,059 1,773 4,934 3.4% 1.0% 346.7%
41 FIRST BANK NC 1,676 12,741 1,337 2,732 1.1% 0.2% 342.9%
42 Glacier Bank MT 3,606 28,998 3,571 4,333 0.2% 0.2% 340.7%
43 Stellar Bank TX 1,638 10,627 1,773 1,477 1.8% 0.5% 334.0%
44 United Community Bank SC 3,382 28,088 3,497 3,644 0.4% 0.3% 320.4%
45 Fulton Bank, N.A. PA 3,466 31,842 3,585 3,809 1.5% 1.0% 317.9%
46 Comerica Bank TX 6,852 77,366 6,307 5,334 1.3% 0.5% 317.9%
47 Atlantic Union Bank VA 5,617 36,991 4,336 6,805 0.4% 0.3% 313.4%
48 Renasant Bank MS 3,986 26,723 3,214 4,755 1.1% 0.9% 311.4%
49 Old National Bank IN 8,077 70,997 6,260 7,387 1.1% 1.4% 308.8%
50 Rockland Trust Company MA 3,824 24,993 2,082 4,769 0.6% 0.6% 306.9%
51 The Central Trust Bank MO 1,916 19,188 1,280 2,319 0.3% 0.5% 306.2%
52 Citizens Business Bank CA 2,262 15,670 2,120 3,429 0.2% 0.7% 304.6%
53 SouthState Bank, National Association FL 9,586 66,028 7,515 13,542 0.8% 0.3% 303.2%
54 Wilmington Savings Fund Society DE 2,573 20,758 1,827 3,330 0.7% 0.5% 302.0%
55 United Bank VA 5,514 33,293 2,115 6,094 0.3% 1.5% 301.5%
56 Busey Bank IL 2,444 18,138 1,390 3,047 0.8% 0.0% 299.1%
57 Pinnacle Bank TN 6,937 55,868 4,904 5,804 0.3% 0.6% 298.2%
58 First Interstate Bank MT 3,388 27,254 2,880 3,895 2.0% 0.4% 292.4%
59 FIRST COMMONWEALTH BANK PA 1,507 12,279 832 1,937 2.4% 0.9% 290.6%
60 NBT Bank, N.A. NY 1,814 16,003 974 1,715 0.6% 0.5% 290.5%
61 Customers Bank PA 2,076 24,261 1,459 1,366 0.2% 0.7% 290.1%
62 Cadence Bank MS 6,083 53,282 4,828 5,292 0.5% 0.9% 288.9%
63 Ameris Bank GA 4,002 27,014 1,746 5,220 0.4% 0.1% 287.0%
64 East West Bank CA 8,028 79,082 3,370 12,476 0.6% 0.5% 286.9%
65 BankUnited, N.A. FL 3,197 35,065 1,680 5,061 1.1% 2.0% 286.9%
66 Mechanics Bank CA 2,973 22,713 559 1,950 0.5% 0.8% 286.8%
67 Midfirst Bank OK 3,751 41,162 2,620 4,466 1.0% 1.4% 284.8%
68 WESBANCO BANK , INC. WV 4,106 27,466 2,595 4,307 0.8% 0.6% 283.6%
69 Bank of Hawaii HI 1,693 23,980 496 2,231 0.1% 0.1% 273.9%
70 First Horizon Bank TN 9,318 82,887 8,342 8,527 1.1% 3.0% 267.9%
71 Dollar Bank, A Federal Savings Bank PA 1,248 12,219 266 1,443 0.5% 5.7% 266.3%
72 Centennial Bank 0275 AR 3,954 22,542 1,571 3,892 0.5% 0.6% 264.5%
73 Seacoast National Bank FL 2,371 16,667 1,836 3,341 1.3% 0.3% 262.7%
74 BOKF, NA OK 5,525 49,918 3,600 3,877 0.7% 0.2% 261.9%
75 Frost Bank 041 Tx 4,406 52,599 3,857 3,017 0.4% 0.4% 259.8%
76 Umb Bank, National Association MO 7,285 71,519 4,749 5,979 0.4% 1.0% 253.0%
77 Community Bank National Association NY 1,552 16,659 808 1,362 0.9% 0.1% 251.5%
78 Nbh Bank CO 1,280 10,107 1,124 1,079 0.9% 0.0% 250.1%
79 Axos Bank CA 2,535 26,345 88 2,581 0.0% 0.1% 245.5%
80 Eastern Bank MA 3,526 25,448 1,364 3,025 1.2% 1.4% 244.5%
81 Bancfirst OK 1,326 11,861 806 1,028 2.7% 0.4% 244.1%
82 Western Alliance Bank AZ 7,662 90,816 1,524 9,514 0.6% 2.7% 241.9%
83 Tristate Capital Bank PA 1,558 22,334 173 2,048 3.4% 0.9% 238.5%
84 Webster Bank, National Association CT 9,860 83,097 2,610 9,991 0.5% 1.9% 235.9%
85 Texas Capital Bank TX 3,427 32,246 782 1,742 1.2% 1.0% 229.1%
86 First Hawaiian Bank HI 2,722 24,102 866 2,548 0.2% 0.0% 228.5%
87 Hancock Whitney Bank MS 4,353 35,747 3,279 2,982 0.4% 0.1% 227.2%
88 Associated Bank, National Association WI 4,705 44,394 1,150 3,273 0.0% 0.3% 224.8%
89 First Financial Bank TX 1,620 14,779 1,119 710 2.6% 0.5% 217.4%
90 First Financial Bank OH 2,527 18,457 896 1,997 1.4% 0.7% 211.8%
91 First National Bank Of Pennsylvania PA 6,558 49,665 3,286 5,462 0.7% 0.5% 207.9%
92 First Merchants Bank IN 2,403 18,799 1,232 1,588 1.3% 1.2% 207.6%
93 Optum Bank UT 2,788 20,102 35 3,565 0.0% 0.0% 198.5%
94 First Citizens Bank and Trust Company NC 22,326 233,167 16,146 12,352 1.2% 4.1% 197.6%
95 Firstbank Puerto Rico PR 1,844 19,300 870 2,243 2.3% 0.7% 194.6%
96 EVERBANK, NATIONAL ASSOCIATION FL 4,016 44,814 172 3,270 0.0% 1.8% 193.8%
97 Commerce Bank MO 3,175 32,081 1,214 1,967 0.2% 0.7% 193.7%
98 First National Bank of Omaha NE 3,613 32,341 1,278 1,758 0.5% 2.6% 190.5%
99 CIBC Bank USA IL 10,929 61,487 3,941 6,881 0.7% 1.5% 183.0%
100 NORTHWEST BANK PA 1,894 16,387 662 1,543 2.9% 3.1% 174.7%
101 Stifel Bank Trust MO 1,328 19,672 20 414 0.0% 0.0% 169.1%
102 Santander Bank, N.A. DE 13,646 97,746 1,000 2,781 1.5% 8.0% 161.2%
103 BANCO POPULAR DE PUERTO RICO PR 3,733 59,601 1,171 3,272 2.4% 1.7% 158.8%
104 City National Bank CA 12,045 96,474 4,170 6,185 0.5% 1.5% 149.2%
105 Raymond James Bank FL 3,105 42,857 0 2,662 0.0% 3.0% 148.5%
106 Nexbank TX 1,250 14,443 12 390 0.0% 1.9% 132.1%
107 Prosperity Bank TX 7,422 38,360 1,978 3,246 0.3% 0.2% 130.9%
108 Manufacturers and Traders Trust Company NY 28,263 210,742 10,208 12,961 1.8% 3.3% 129.9%
109 Citizens Bank, National Association RI 26,409 222,111 4,115 10,360 0.7% 6.2% 118.6%
110 Regions Bank AL 18,047 158,598 5,200 3,894 0.9% 4.3% 115.9%
111 ORIENTAL BANK PR 1,301 12,132 478 827 2.9% 0.9% 114.5%
112 KeyBank National Association OH 18,804 184,695 2,762 5,842 1.6% 1.5% 112.7%
113 The Huntington National Bank OH 21,679 209,541 6,706 7,318 0.9% 1.5% 100.8%
114 U.S. Bank National Association OH 66,797 679,293 9,214 14,468 0.8% 3.6% 96.3%
115 TRUIST BANK NC 62,581 535,540 19,004 15,646 0.6% 1.2% 93.7%
116 Fifth Third Bank, National Association OH 24,160 212,207 5,886 4,446 0.8% 0.0% 92.4%
117 Toyota Financial Savings Bank NV 1,238 13,902 -   953 0.0% 0.0% 83.4%
118 BMO Bank National Association IL 36,776 249,342 8,235 11,304 1.7% 1.8% 80.7%
119 PNC Bank, National Association DE 57,910 563,953 8,900 13,294 1.0% 4.6% 80.3%
120 Wells Fargo Bank, National Association SD 172,663 1,767,105 17,807 62,016 0.9% 4.9% 78.8%
121 Safra National Bank of New York NY 1,344 12,408 -   855 0.0% 0.0% 76.6%
122 TD Bank, N.A. DE 49,234 350,852 6,958 13,122 1.5% 3.0% 71.2%
123 Beal Bank USA NV 3,152 16,449 37 1,037 18.5% 9.9% 65.9%
124 JPMorgan Chase Bank National Association OH 331,953 3,813,431 14,678 38,132 1.2% 2.6% 63.3%
125 The Northern Trust Company IL 11,258 169,571 1,103 3,229 3.8% 0.5% 60.7%
126 Ally Bank UT 15,059 180,089 4,317 2,274 0.2% 0.0% 48.6%
127 DEUTSCHE BANK TRUST COMPANY AMERICAS NY 9,666 40,293 -   1,963 0.0% 8.5% 44.4%
128 LENDINGCLUB BANK, NATIONAL ASSOCIATION UT 1,255 10,967 230 150 2.8% 0.0% 44.2%
129 MORGAN STANLEY BANK, N.A. UT 25,985 249,681 217 8,508 0.0% 6.8% 42.7%
130 MORGAN STANLEY PRIVATE BANK, N.A. NY 18,034 240,201 88 5,787 0.0% 3.3% 41.3%
131 Bank of America, NA NC 251,567 2,651,090 23,590 33,777 1.3% 4.5% 36.4%
132 Capital One-National Association VA 97,868 652,138 1,425 12,964 0.5% 3.5% 29.3%
133 Goldman Sachs Bank, USA NY 65,503 644,020 62 7,974 11.3% 8.6% 27.9%
134 UBS BANK USA UT 9,368 115,280 118 1,621 0.0% 2.0% 25.0%
135 BNY Mellon, National Association PA 3,509 31,312 34 661 0.0% 7.7% 24.3%
136 HSBC Bank USA N.A. VA 16,454 162,240 236 1,819 12.2% 15.1% 23.8%
137 Citibank, N.A. SD 177,068 1,844,189 985 9,076 1.2% 6.9% 21.8%
138 The Bank of New York Mellon NY 29,259 366,502 -   1,852 0.0% 6.7% 19.8%
139 STATE STREET BANK AND TRUST COMPANY MA 28,896 366,079 -   1,503 0.0% 12.7% 9.1%
140 Stifel Bank MO 783 11,960 -   3 0.0% 0.0% 8.0%
141 TD Bank USA, NA DE 4,454 34,298 32 4 0.0% 0.0% 3.9%
142 SoFi Bank UT 5,816 41,250 10 8 3.3% 0.0% 3.0%
143 BMW Bank of North America UT 1,812 12,469 -   -   0.0% 0.0% 2.6%
144 Sallie Mae Bank UT 3,018 29,619 -   -   0.0% 0.0% 0.9%
145 Third Federal Savings and Loan Assoc of Cleve OH 1,743 17,444 -   -   0.0% 0.0% 0.6%
146 Synchrony Bank UT 14,743 110,559 -   -   0.0% 0.0% 0.3%
147 American Express National Bank UT 18,166 211,134 -   -   0.0% 0.0% 0.2%
148 Barclays Bank Delaware DE 6,385 46,823 -   -   0.0% 0.0% 0.1%
149 Charles Schwab Bank, SSB TX 21,328 243,112 -   -   0.0% 0.0% 0.0%
150 USAA Federal Savings Bank AZ 4,987 104,903 -   -   0.0% 0.0% 0.0%
151 Charles Schwab Premier Bank, SSB TX 2,163 25,134 - - 0.0% 0.0% 0.0%
152 Ameriprise Bank, FSB MN 1,586 24,297 - - 0.0% 0.0% 0.0%
153 Bank of America California, National Association CA 1,862 15,015 - - 0.0% 0.0% 0.0%
154 Comenity Capital Bank UT 1,827 12,699 - - 0.0% 0.0% 0.0%

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