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Top100 Largest Banks - Defaulted Loan Percentage
- 2010Q1
The table below is a list of the Top 100 largest banks based on assets,
the table is sorted by the total dollar amount of defaulted (SFR 1-4, 1st
mortgage) loans. Also provided are default rates for this particular
type of loan portfolio. Default Rates are shown including 30-89 day late loans
as well as without 30-89 day lates.
This table should help identify the
largest and most troubled SFR home loan portfolios and where the next wave
of REO properties will be coming from.
Note: This table is not at all an accurate measure in itself of
troubled banks or the health or soundness of a bank, since it is only
showing a particular slice (SFR 1-4, 1st mortgages) of a bank's entire
loan portfolio, some of these defaulted loans may be backed or guaranteed
by the Government as FHA/VA/GNMA loans. For bank soundness, please
refer to the Texas Ratio link below.
(data new as of 6/2/2010 for 2010 Q1)
# |
Bank Name |
Loans secured by 1-4 family first liens |
Past due 30-89 days secured by 1-4 Family first liens |
Past due 90+ days secured by 1-4 Family first liens |
Nonaccrual loans secured by 1-4 Family first liens |
Defaulted Loans (NA + 90+) |
Default Rate: SFR 1-4 1sts (90+ and NA) |
Default Rate SFR 1-4 1sts (30+ and 90+ and NA) |
|
|
(000s) |
(000s) |
(000s) |
(000s) |
(000s) |
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1 |
Bank of America, National Association |
217,317,037 |
10,712,349 |
27,297,543 |
14,397,087 |
41,694,630 |
19.19% |
24.12% |
2 |
Wells Fargo Bank, National Association |
199,862,000 |
8,554,000 |
28,965,000 |
8,033,000 |
36,998,000 |
18.51% |
22.79% |
3 |
JPMorgan Chase Bank, National Association |
141,510,000 |
5,807,000 |
16,805,000 |
18,325,000 |
35,130,000 |
24.83% |
28.93% |
4 |
Citibank, National Association |
99,101,000 |
5,361,000 |
5,210,000 |
7,761,000 |
12,971,000 |
13.09% |
18.50% |
5 |
PNC Bank, National Association |
24,006,832 |
998,401 |
3,109,496 |
1,022,180 |
4,131,676 |
17.21% |
21.37% |
6 |
U.S. Bank National Association |
35,599,414 |
1,087,898 |
3,363,573 |
552,484 |
3,916,057 |
11.00% |
14.06% |
7 |
SunTrust Bank |
27,667,540 |
499,446 |
976,367 |
2,432,743 |
3,409,110 |
12.32% |
14.13% |
8 |
Wells Fargo Bank South Central, National Association |
31,288,000 |
790,000 |
948,000 |
1,442,000 |
2,390,000 |
7.64% |
10.16% |
9 |
OneWest Bank, FSB |
10,595,456 |
560,726 |
- |
1,981,134 |
1,981,134 |
18.70% |
23.99% |
10 |
MidFirst Bank |
4,524,140 |
728,458 |
1,877,235 |
- |
1,877,235 |
41.49% |
57.60% |
11 |
ING Bank, fsb |
37,454,365 |
484,370 |
- |
1,736,706 |
1,736,706 |
4.64% |
5.93% |
12 |
Capital One, National Association |
12,690,807 |
302,569 |
1,188,796 |
429,823 |
1,618,619 |
12.75% |
15.14% |
13 |
Bank of America, Rhode Island, National Association |
20,171,421 |
590,564 |
- |
1,578,575 |
1,578,575 |
7.83% |
10.75% |
14 |
Branch Banking and Trust Company |
25,100,782 |
769,040 |
682,892 |
880,156 |
1,563,048 |
6.23% |
9.29% |
15 |
HSBC Bank USA, National Association |
14,738,278 |
559,265 |
- |
1,371,253 |
1,371,253 |
9.30% |
13.10% |
16 |
E*TRADE Bank |
10,005,206 |
471,746 |
- |
1,344,919 |
1,344,919 |
13.44% |
18.16% |
17 |
Flagstar Bank, FSB |
6,634,457 |
160,820 |
- |
1,119,771 |
1,119,771 |
16.88% |
19.30% |
18 |
BankUnited |
3,335,522 |
139,349 |
- |
1,064,826 |
1,064,826 |
31.92% |
36.10% |
19 |
Bank of America California, National Association |
25,368,215 |
668,157 |
30 |
1,036,619 |
1,036,649 |
4.09% |
6.72% |
20 |
Citicorp Trust Bank, fsb |
13,938,871 |
431,173 |
- |
1,016,014 |
1,016,014 |
7.29% |
10.38% |
21 |
Bank of America Oregon, National Association |
13,878,276 |
283,237 |
3,351 |
748,679 |
752,030 |
5.42% |
7.46% |
22 |
Hudson City Savings Bank |
31,772,170 |
535,070 |
40,990 |
694,721 |
735,711 |
2.32% |
4.00% |
23 |
Fifth Third Bank |
9,581,911 |
205,260 |
330,543 |
393,950 |
724,493 |
7.56% |
9.70% |
24 |
The Huntington National Bank |
6,501,223 |
219,471 |
169,724 |
461,520 |
631,244 |
9.71% |
13.09% |
25 |
Sovereign Bank |
12,231,266 |
411,045 |
- |
585,082 |
585,082 |
4.78% |
8.14% |
26 |
Regions Bank |
13,315,870 |
257,045 |
302,124 |
240,409 |
542,533 |
4.07% |
6.00% |
27 |
Firstbank of Puerto Rico |
3,374,440 |
129,039 |
98,143 |
422,663 |
520,806 |
15.43% |
19.26% |
28 |
Banco Popular de Puerto Rico |
2,065,000 |
198,000 |
203,000 |
282,000 |
485,000 |
23.49% |
33.08% |
29 |
RBS Citizens, National Association |
15,528,430 |
234,702 |
22,149 |
441,454 |
463,603 |
2.99% |
4.50% |
30 |
Manufacturers and Traders Trust Company |
5,922,941 |
188,345 |
180,811 |
268,592 |
449,403 |
7.59% |
10.77% |
31 |
First Tennessee Bank, National Association |
2,771,948 |
75,367 |
90,914 |
263,338 |
354,252 |
12.78% |
15.50% |
32 |
Astoria Federal Savings and Loan Association |
11,936,521 |
198,716 |
61 |
344,799 |
344,860 |
2.89% |
4.55% |
33 |
M&I Marshall and Ilsley Bank |
6,417,910 |
196,213 |
31 |
325,956 |
325,987 |
5.08% |
8.14% |
34 |
Compass Bank |
7,299,387 |
112,150 |
119,100 |
175,338 |
294,438 |
4.03% |
5.57% |
35 |
Metlife Bank, National Association |
2,893,369 |
51,590 |
267,570 |
21,471 |
289,041 |
9.99% |
11.77% |
36 |
The Bank of New York Mellon |
4,174,000 |
69,000 |
83,000 |
200,000 |
283,000 |
6.78% |
8.43% |
37 |
Ally Bank |
10,121,266 |
180,191 |
- |
282,289 |
282,289 |
2.79% |
4.57% |
38 |
Union Bank, National Association |
16,895,437 |
146,930 |
1,289 |
226,513 |
227,802 |
1.35% |
2.22% |
39 |
Harris National Association |
5,151,928 |
187,803 |
29,514 |
195,078 |
224,592 |
4.36% |
8.00% |
40 |
Bank of the West |
9,252,288 |
170,902 |
1,938 |
212,769 |
214,707 |
2.32% |
4.17% |
41 |
TD Bank, National Association |
9,317,878 |
80,593 |
- |
186,018 |
186,018 |
2.00% |
2.86% |
42 |
TCF National Bank |
4,694,568 |
81,614 |
46,294 |
129,342 |
175,636 |
3.74% |
5.48% |
43 |
Third Federal Savings and Loan Association of Cleveland |
6,260,343 |
51,561 |
- |
174,942 |
174,942 |
2.79% |
3.62% |
44 |
New York Community Bank |
4,662,769 |
183,729 |
- |
172,067 |
172,067 |
3.69% |
7.63% |
45 |
Washington Federal Savings and Loan Association |
6,475,630 |
64,680 |
- |
131,609 |
131,609 |
2.03% |
3.03% |
46 |
KeyBank National Association |
3,030,155 |
59,061 |
17,544 |
92,606 |
110,150 |
3.64% |
5.58% |
47 |
Webster Bank, National Association |
3,208,621 |
31,626 |
- |
108,298 |
108,298 |
3.38% |
4.36% |
48 |
Westernbank Puerto Rico |
1,369,450 |
57,576 |
13,269 |
88,448 |
101,717 |
7.43% |
11.63% |
49 |
RBC Bank (USA) |
2,595,064 |
51,785 |
1,045 |
95,022 |
96,067 |
3.70% |
5.70% |
50 |
Associated Bank, National Association |
2,713,349 |
12,270 |
- |
85,134 |
85,134 |
3.14% |
3.59% |
51 |
Northern Trust, National Association |
4,633,956 |
49,897 |
793 |
83,515 |
84,308 |
1.82% |
2.90% |
52 |
Citizens Bank |
1,153,546 |
25,764 |
- |
73,634 |
73,634 |
6.38% |
8.62% |
53 |
Comerica Bank |
1,685,597 |
18,000 |
7,103 |
63,386 |
70,489 |
4.18% |
5.25% |
54 |
Whitney National Bank |
945,438 |
9,053 |
1,368 |
67,743 |
69,111 |
7.31% |
8.27% |
55 |
Arvest Bank |
1,196,148 |
26,562 |
1,785 |
62,094 |
63,879 |
5.34% |
7.56% |
56 |
Deutsche Bank Trust Company Americas |
3,670,000 |
- |
- |
58,000 |
58,000 |
1.58% |
1.58% |
57 |
Zions First National Bank |
1,024,364 |
22,463 |
874 |
56,868 |
57,742 |
5.64% |
7.83% |
58 |
People's United Bank |
2,477,634 |
88,242 |
- |
56,828 |
56,828 |
2.29% |
5.86% |
59 |
Carolina First Bank |
697,419 |
34,622 |
3,021 |
53,087 |
56,108 |
8.05% |
13.01% |
60 |
State Farm Bank, F.S.B. |
2,256,914 |
38,316 |
- |
52,310 |
52,310 |
2.32% |
4.02% |
61 |
The Northern Trust Company |
2,919,582 |
36,550 |
1,302 |
44,701 |
46,003 |
1.58% |
2.83% |
62 |
Citizens Bank of Pennsylvania |
3,201,368 |
25,870 |
- |
42,838 |
42,838 |
1.34% |
2.15% |
63 |
First-Citizens Bank & Trust Company |
908,708 |
28,824 |
4,684 |
36,785 |
41,469 |
4.56% |
7.74% |
64 |
Susquehanna Bank |
1,377,439 |
25,248 |
5,948 |
32,991 |
38,939 |
2.83% |
4.66% |
65 |
California Bank & Trust |
1,122,926 |
8,745 |
- |
36,290 |
36,290 |
3.23% |
4.01% |
66 |
BancorpSouth Bank |
1,922,467 |
20,464 |
9,639 |
26,466 |
36,105 |
1.88% |
2.94% |
67 |
Bank of Oklahoma, National Association |
1,219,250 |
17,359 |
5,957 |
29,749 |
35,706 |
2.93% |
4.35% |
68 |
Charles Schwab Bank |
3,895,025 |
17,603 |
- |
28,955 |
28,955 |
0.74% |
1.20% |
69 |
Bank of Hawaii |
1,944,177 |
16,403 |
6,925 |
20,031 |
26,956 |
1.39% |
2.23% |
70 |
The PrivateBank and Trust Company |
531,336 |
13,446 |
- |
26,845 |
26,845 |
5.05% |
7.58% |
71 |
East West Bank |
1,581,064 |
29,199 |
- |
24,238 |
24,238 |
1.53% |
3.38% |
72 |
Valley National Bank |
1,886,742 |
8,554 |
1,326 |
19,890 |
21,216 |
1.12% |
1.58% |
73 |
First Hawaiian Bank |
2,022,302 |
17,330 |
1 |
20,665 |
20,666 |
1.02% |
1.88% |
74 |
Silicon Valley Bank |
130,031 |
- |
- |
20,336 |
20,336 |
15.64% |
15.64% |
75 |
Amegy Bank National Association |
606,913 |
5,926 |
- |
19,071 |
19,071 |
3.14% |
4.12% |
76 |
Firstmerit Bank, National Association |
595,625 |
15,008 |
7,637 |
7,902 |
15,539 |
2.61% |
5.13% |
77 |
First Niagara Bank |
1,662,341 |
9,214 |
- |
13,259 |
13,259 |
0.80% |
1.35% |
78 |
City National Bank |
3,466,944 |
8,482 |
1,168 |
11,508 |
12,676 |
0.37% |
0.61% |
79 |
Commerce Bank, National Association |
1,523,503 |
18,320 |
2,574 |
6,416 |
8,990 |
0.59% |
1.79% |
80 |
Cathay Bank |
759,198 |
6,181 |
- |
7,979 |
7,979 |
1.05% |
1.87% |
81 |
First National Bank of Omaha |
166,631 |
3,422 |
31 |
5,892 |
5,923 |
3.55% |
5.61% |
82 |
USAA Federal Savings Bank |
1,628,313 |
3,396 |
2,104 |
3,706 |
5,810 |
0.36% |
0.57% |
83 |
Discover Bank |
55,641 |
3,673 |
- |
5,491 |
5,491 |
9.87% |
16.47% |
84 |
The Frost National Bank |
331,488 |
5,933 |
1,367 |
3,404 |
4,771 |
1.44% |
3.23% |
85 |
TD Bank USA, National Association |
10,204 |
426 |
- |
1,289 |
1,289 |
12.63% |
16.81% |
86 |
Wells Fargo Bank Northwest, National Association |
8,000 |
- |
- |
1,000 |
1,000 |
12.50% |
12.50% |
87 |
Goldman Sachs Bank USA |
658,000 |
- |
- |
- |
- |
0.00% |
0.00% |
88 |
UBS Bank USA |
227,819 |
- |
- |
- |
- |
0.00% |
0.00% |
89 |
GE Money Bank |
3,011 |
- |
- |
- |
- |
0.00% |
0.00% |
90 |
Morgan Stanley Bank, National Association |
1,000 |
- |
- |
- |
- |
0.00% |
0.00% |
91 |
FIA Card Services, National Association |
- |
- |
- |
- |
- |
N/A |
N/A |
92 |
Chase Bank USA, National Association |
- |
- |
- |
- |
- |
N/A |
N/A |
93 |
Barclays Bank Delaware |
- |
- |
- |
- |
- |
N/A |
N/A |
94 |
Citibank (South Dakota), N.A. |
- |
- |
- |
- |
- |
N/A |
N/A |
95 |
Capital One Bank (USA), National Association |
- |
- |
- |
- |
- |
N/A |
N/A |
96 |
USAA Savings Bank |
- |
- |
- |
- |
- |
N/A |
N/A |
97 |
American Express Bank, FSB. |
- |
- |
- |
- |
- |
N/A |
N/A |
98 |
American Express Centurion Bank |
- |
- |
- |
- |
- |
N/A |
N/A |
99 |
State Street Bank and Trust Company |
- |
- |
- |
- |
- |
N/A |
N/A |
100 |
Bank of China |
- |
- |
- |
- |
- |
N/A |
N/A |
Source of Data:
http://www2.fdic.gov/sdi/main.asp As of 2010 Q1, Downloaded
6/2/2010
Other Useful Banking Data and Banking Info:
Top 25 Largest Banks - Loan Default
Rates and REOs - data for all loan types combined, not just SFR 1-4
homes, along with REO stats.
Top 100 Largest Banks - Loan Default
Rates and REOs - data for all loan types combined, not just SFR 1-4
homes, along with REO stats.
REO Listings of Bank
Owned Property for all Major Lenders / Government Agencies
FDIC Failed Banks, Bank
Watch List and Bank Ratings - more tools for analyzing bank health.
Texas Ratio and
Troubled Bank List & Analysis - a useful metric for identifying weak
and troubled banks.
The Hard Money Pros
Private and Hard Money Lenders in California
PO Box 91472, San Diego, CA 92169
jmac@TheHardMoneyPros.com
www.TheHardMoneyPros.com
(619) 846-1550
©Copyright 2006 JMAC Funding
Licensed by the California Department of Real Estate, DRE# 01440161
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