Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
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JPMorgan Chase Bank, National Association
Columbus, OH · FDIC cert 628
· class N
· primary regulator OCC
· charter OCC
· holding company JPMorgan Chase&co
total assets $4,091,315mn · band over $100bn · established 1824 · Call Report 2026Q2 · branches from the 2026 Summary of Deposits
total assets $4,091,315mn · band over $100bn · established 1824 · Call Report 2026Q2 · branches from the 2026 Summary of Deposits
The public record, as the regulator reads it. Every number on this page is from an FDIC filing
or a public loan-level tape; every line is the regulator's own; nothing is scored, summed or graded.
This bank is over neither of SR 06-26's two criteria.
Where its branches are
A state is filled where this bank has a branch; a bubble is a metro of the CRE spine, sized by how many of the bank's branches are in it. Presence only — a branch is a building in a ZIP, and no dollar is allocated to any place on this map.
States · 49
Every jurisdiction the Summary of Deposits lists a branch in; the map fills these, and a row the projection cannot draw says so rather than disappearing.
The deposit column sums to $2.23T, the deposits booked at domestic branches on 2026-06-30. Deposits are booked to an office, not earned in a market — the largest single booking is New York, NY, 34.1% of the bank's; read the branch counts as the bank's presence, not the dollars.
| state | branches | of the bank's | deposits booked | of deposits |
|---|---|---|---|---|
| CA | 857 | 16.7% | $297.7B | 13.4% |
| NY | 576 | 11.2% | $970.3B | 43.6% |
| TX | 489 | 9.5% | $308.3B | 13.8% |
| FL | 431 | 8.4% | $79.0B | 3.5% |
| IL | 264 | 5.1% | $128.8B | 5.8% |
| OH | 230 | 4.5% | $46.2B | 2.1% |
| NJ | 188 | 3.7% | $40.1B | 1.8% |
| AZ | 186 | 3.6% | $50.2B | 2.3% |
| MI | 171 | 3.3% | $64.4B | 2.9% |
| WA | 147 | 2.9% | $30.4B | 1.4% |
| IN | 120 | 2.3% | $27.0B | 1.2% |
| GA | 118 | 2.3% | $13.7B | 0.6% |
| PA | 108 | 2.1% | $3.9B | 0.2% |
| CO | 107 | 2.1% | $23.8B | 1.1% |
| LA | 99 | 1.9% | $23.2B | 1.0% |
| MA | 94 | 1.8% | $4.9B | 0.2% |
| OR | 80 | 1.6% | $11.9B | 0.5% |
| VA | 77 | 1.5% | $3.5B | 0.2% |
| WI | 65 | 1.3% | $13.7B | 0.6% |
| CT | 63 | 1.2% | $8.9B | 0.4% |
| NC | 61 | 1.2% | $2.9B | 0.1% |
| MD | 56 | 1.1% | $2.8B | 0.1% |
| NV | 53 | 1.0% | $10.0B | 0.4% |
| TN | 47 | 0.9% | $1.8B | 0.1% |
| UT | 45 | 0.9% | $27.1B | 1.2% |
| KY | 45 | 0.9% | $10.6B | 0.5% |
| MN | 45 | 0.9% | $1.2B | 0.1% |
| MO | 44 | 0.9% | $1.2B | 0.1% |
| SC | 43 | 0.8% | $1.4B | 0.1% |
| OK | 29 | 0.6% | $7.1B | 0.3% |
| DC | 23 | 0.4% | $1.3B | 0.1% |
| WV | 17 | 0.3% | $2.3B | 0.1% |
| ID | 17 | 0.3% | $2.0B | 0.1% |
| RI | 16 | 0.3% | $614M | 0.0% |
| AL | 15 | 0.3% | $402M | 0.0% |
| NE | 15 | 0.3% | $354M | 0.0% |
| DE | 14 | 0.3% | $677M | 0.0% |
| KS | 13 | 0.3% | $449M | 0.0% |
| NH | 12 | 0.2% | $470M | 0.0% |
| AR | 12 | 0.2% | $340M | 0.0% |
| IA | 11 | 0.2% | $255M | 0.0% |
| NM | 8 | 0.2% | $399M | 0.0% |
| ME | 7 | 0.1% | $175M | 0.0% |
| MS | 6 | 0.1% | $186M | 0.0% |
| MT | 4 | 0.1% | $143M | 0.0% |
| SD | 4 | 0.1% | $84M | 0.0% |
| WY | 3 | 0.1% | $214M | 0.0% |
| VT | 3 | 0.1% | $131M | 0.0% |
| ND | 3 | 0.1% | $65M | 0.0% |
The lines · 2026Q2 Call Report
SR 06-26 (the 2006 interagency guidance on CRE concentrations), the Prompt Corrective Action capital lines
(12 CFR 324.403) on the filer's own basis, and the FDIC's brokered-deposit line (12 CFR 327.16). A value on the far
side of its line is colored; that is the whole of what a crossed line means here.
| line | this bank | the line | the rule |
|---|---|---|---|
| Investor CRE / total risk-based capital | 51% total 55% |
≥ 300% | construction, multifamily and non-owner-occupied nonfarm nonresidential over total risk-based capital — the first half of criterion 2; owner-occupied excluded, as the guidance excludes it. "Total" beneath adds it back. |
| Construction & land loans / capital | 5.8% | ≥ 100% | construction, land development and other land loans over total risk-based capital — criterion 1 of the 2006 interagency guidance |
| CRE book growth, 36 months | 8.7% | ≥ 50% | the supervisory CRE book (owner-occupied excluded) against the same bank twelve quarters earlier — the second half of criterion 2, which the 300% line alone does not state |
| Total risk-based capital ratio | 16.2% | < 10% | total risk-based capital over risk-weighted assets; well capitalized at 10%, adequately at 8%. A CBLR filer reports none and is printed as not reported |
| Tier 1 risk-based capital ratio | 15.0% | < 8% | tier 1 capital over risk-weighted assets; well capitalized at 8%, adequately at 6%. A CBLR filer reports none and is printed as not reported |
| Tier 1 leverage ratio | 7.5% | < 5% | tier 1 capital over average assets; well capitalized at 5% for a risk-based filer, and the CBLR framework's own 9% line for a leverage-only filer |
| Brokered deposits / assets | 1.3% | ≥ 10% | brokered deposits over total assets; above 10% they begin to count in the FDIC's assessment formula (12 CFR 327.16) |
Criterion 1 is construction at or above 100% of capital:
not over.
Criterion 2 is BOTH halves — investor CRE at or above 300% of capital AND the book grown 50% or more in 36 months
(from the tape's own quarter, 2023Q2):
not over.
Capital is read on the risk-based basis this bank files on.
Its market · branches as of 30 June 2026
A branch is a building in a ZIP (FDIC Summary of Deposits); no dollar is allocated to any metro. For each metro this bank has a branch in:
the Hotspots reading (retail and office, each elevated or not against a bar set at the top quartile of the 298 metros with both readings — a relative cut, not a regulator's line),
the public CMBS tape in the metro, and the counts behind the doors.
264 metros, by branch count.
658 branches · 13% of the bank's
CMBS in the metro
2,401 loans
3.5% distressed · retail 3.7% · office 6.8%
Behind the door
616 on the forward watch
$16,990mn not yet in special servicing · 76 in special servicing with commentary · 77 WARN notices in 90 days (8,461 jobs)
327 branches · 6% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
656 loans
2.4% distressed · retail 0.7% · office 4.2%
Behind the door
166 on the forward watch
$5,028mn not yet in special servicing · 31 in special servicing with commentary · 47 WARN notices in 90 days (4,792 jobs)
265 branches · 5% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
365 loans
8.0% distressed · retail 2.9% · office 16.9%
Behind the door
75 on the forward watch
$2,130mn not yet in special servicing · 31 in special servicing with commentary · 20 WARN notices in 90 days (2,292 jobs)
194 branches · 4% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
271 loans
2.6% distressed · retail 1.0% · office 5.2%
Behind the door
63 on the forward watch
$1,537mn not yet in special servicing · 9 in special servicing with commentary · 4 WARN notices in 90 days (250 jobs)
172 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
263 loans
0.8% distressed · retail 2.9% · office 0.0%
Behind the door
57 on the forward watch
$1,398mn not yet in special servicing · 1 in special servicing with commentary · 4 WARN notices in 90 days (351 jobs)
154 branches · 3% of the bank's
Hotspots cell
retail & office
retail elevated · office elevated · WARN-corroborated
CMBS in the metro
366 loans
4.7% distressed · retail 1.0% · office 7.9%
Behind the door
82 on the forward watch
$1,852mn not yet in special servicing · 12 in special servicing with commentary · 0 WARN notices in 90 days
133 branches · 3% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
212 loans
3.3% distressed · retail 0.0% · office 6.6%
Behind the door
65 on the forward watch
$2,829mn not yet in special servicing · 11 in special servicing with commentary · 39 WARN notices in 90 days (4,682 jobs)
131 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
206 loans
0.5% distressed · retail 0.0% · office 2.4%
Behind the door
34 on the forward watch
$716mn not yet in special servicing · 0 in special servicing with commentary · 20 WARN notices in 90 days (921 jobs)
109 branches · 2% of the bank's
Hotspots cell
retail only read
retail elevated · office not read · WARN-corroborated
CMBS in the metro
271 loans
1.8% distressed · retail 0.0% · office 8.3%
Behind the door
61 on the forward watch
$1,095mn not yet in special servicing · 7 in special servicing with commentary · 15 WARN notices in 90 days (2,354 jobs)
104 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
272 loans
2.2% distressed · retail 0.0% · office 3.8%
Behind the door
74 on the forward watch
$1,200mn not yet in special servicing · 6 in special servicing with commentary · 4 WARN notices in 90 days (643 jobs)
92 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
154 loans
3.9% distressed · retail 2.7% · office 7.2%
Behind the door
44 on the forward watch
$1,793mn not yet in special servicing · 7 in special servicing with commentary · 38 WARN notices in 90 days (4,625 jobs)
92 branches · 2% of the bank's
Hotspots cell
retail
retail elevated · office not elevated · WARN-corroborated
CMBS in the metro
239 loans
3.4% distressed · retail 2.8% · office 5.4%
Behind the door
55 on the forward watch
$2,115mn not yet in special servicing · 12 in special servicing with commentary · 29 WARN notices in 90 days (2,373 jobs)
The remaining 252 metros, by branch count — the same reading, one row each:
| metro | branches | hotspots cell | CMBS loans | distressed | on the watch |
|---|---|---|---|---|---|
| Philadelphia-Camden-Wilmington, PA-NJ-DE-MD | 87 | retail | 260 | 4.6% | 80 |
| Boston-Cambridge-Newton, MA-NH | 85 | retail | 67 | 1.5% | 23 |
| San Diego-Chula Vista-Carlsbad, CA | 83 | retail | 146 | 0.7% | 26 |
| Riverside-San Bernardino-Ontario, CA | 80 | retail | 189 | 0.0% | 28 |
| Denver-Aurora-Centennial, CO | 69 | neither | 95 | 4.2% | 18 |
| Columbus, OH | 63 | retail & office | 84 | 1.4% | 24 |
| Tampa-St. Petersburg-Clearwater, FL | 63 | retail | 103 | 1.9% | 16 |
| Indianapolis-Carmel-Greenwood, IN | 58 | retail | 92 | 4.9% | 20 |
| Portland-Vancouver-Hillsboro, OR-WA | 58 | retail | 63 | 4.8% | 21 |
| Austin-Round Rock-San Marcos, TX | 52 | retail | 83 | 3.6% | 20 |
| Orlando-Kissimmee-Sanford, FL | 52 | retail | 97 | 5.7% | 25 |
| San Jose-Sunnyvale-Santa Clara, CA | 50 | neither | 92 | 1.1% | 32 |
| Cleveland, OH | 45 | retail & office | 100 | 4.2% | 28 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 45 | retail & office | 64 | 3.1% | 18 |
| Las Vegas-Henderson-North Las Vegas, NV | 42 | neither | 178 | 0.6% | 34 |
| Sacramento-Roseville-Folsom, CA | 40 | retail | 102 | 1.5% | 27 |
| Cincinnati, OH-KY-IN | 37 | retail only read | 66 | 11.1% | 17 |
| Bridgeport-Stamford-Danbury, CT | 34 | retail only read | 34 | 0.0% | 11 |
| Milwaukee-Waukesha, WI | 33 | retail | 81 | 1.2% | 11 |
| Baltimore-Columbia-Towson, MD | 32 | retail | 78 | 2.6% | 14 |
| San Antonio-New Braunfels, TX | 31 | retail | 67 | 4.4% | 14 |
| St. Louis, MO-IL | 30 | retail & office | 73 | 6.6% | 17 |
| Jacksonville, FL | 29 | neither | 51 | 7.9% | 12 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 29 | neither | 69 | 2.2% | 16 |
| Charlotte-Concord-Gastonia, NC-SC | 29 | retail only read | 93 | 3.2% | 22 |
| Louisville/Jefferson County, KY-IN | 28 | retail & office | 26 | 9.5% | 7 |
| Tucson, AZ | 27 | retail & office | 57 | 1.8% | 8 |
| North Port-Bradenton-Sarasota, FL | 26 | neither | 20 | 0.0% | 3 |
| Pittsburgh, PA | 26 | retail | 77 | 3.9% | 13 |
| Kansas City, MO-KS | 25 | retail only read | 67 | 3.0% | 26 |
| New Orleans-Metairie, LA | 24 | neither | 54 | 0.0% | 14 |
| Salt Lake City-Murray, UT | 22 | neither | 41 | 2.4% | 13 |
| Grand Rapids-Wyoming-Kentwood, MI | 22 | retail | 30 | 0.0% | 7 |
| Oxnard-Thousand Oaks-Ventura, CA | 21 | retail | 45 | 0.0% | 12 |
| Rochester, NY | 21 | retail | 34 | 14.8% | 6 |
| Akron, OH | 20 | office | 32 | 3.2% | 8 |
| Baton Rouge, LA | 19 | retail only read | 38 | 8.0% | 5 |
| Kiryas Joel-Poughkeepsie-Newburgh, NY | 19 | retail & office | 19 | 0.0% | 5 |
| Dayton-Kettering-Beavercreek, OH | 19 | office | 32 | 6.5% | 13 |
| Raleigh-Cary, NC | 19 | neither | 37 | 0.0% | 9 |
| Providence-Warwick, RI-MA | 18 | retail | 16 | 6.2% | 2 |
| Oklahoma City, OK | 17 | neither | 29 | 7.0% | 8 |
| Cape Coral-Fort Myers, FL | 15 | neither | 21 | 0.0% | 4 |
| Hartford-West Hartford-East Hartford, CT | 15 | retail only read | 28 | 1.2% | 5 |
| Naples-Marco Island, FL | 14 | neither | 8 | 0.0% | 0 |
| Richmond, VA | 14 | retail only read | 50 | 2.0% | 9 |
| Fresno, CA | 13 | retail | 21 | 8.4% | 0 |
| Charleston-North Charleston, SC | 13 | neither | 28 | 0.0% | 4 |
| Greenville-Anderson-Greer, SC | 13 | neither | 30 | 3.9% | 4 |
| Virginia Beach-Chesapeake-Norfolk, VA-NC | 13 | retail only read | 72 | 2.8% | 12 |
| Salinas, CA | 12 | office | 12 | 0.0% | 1 |
| Lexington-Fayette, KY | 12 | retail | 23 | 4.4% | 1 |
| Palm Bay-Melbourne-Titusville, FL | 12 | neither | 23 | 0.0% | 5 |
| Flint, MI | 12 | retail & office | 6 | 0.0% | 2 |
| Syracuse, NY | 12 | retail | 18 | 5.5% | 3 |
| Lafayette, LA | 12 | retail | 14 | 0.0% | 2 |
| Boise City, ID | 12 | neither | 23 | 0.0% | 4 |
| Omaha, NE-IA | 12 | office | 16 | 0.3% | 5 |
| Fort Wayne, IN | 11 | office | 16 | 1.1% | 4 |
| Santa Rosa-Petaluma, CA | 11 | neither | 28 | 3.6% | 7 |
| Tulsa, OK | 11 | neither | 19 | 5.2% | 6 |
| Boulder, CO | 10 | neither | 13 | 0.0% | 2 |
| Bakersfield-Delano, CA | 10 | neither | 14 | 10.3% | 1 |
| Trenton-Princeton, NJ | 10 | neither | 23 | 2.2% | 8 |
| Colorado Springs, CO | 10 | neither | 32 | 0.0% | 6 |
| Port St. Lucie, FL | 10 | neither | 12 | 0.0% | 2 |
| Deltona-Daytona Beach-Ormond Beach, FL | 10 | neither | 29 | 0.0% | 0 |
| Albany-Schenectady-Troy, NY | 10 | retail | 23 | 0.0% | 7 |
| Memphis, TN-MS-AR | 10 | retail only read | 48 | 6.3% | 13 |
| Santa Maria-Santa Barbara, CA | 9 | office | 20 | 0.0% | 3 |
| Stockton-Lodi, CA | 9 | neither | 20 | 0.0% | 2 |
| El Paso, TX | 9 | retail only read | 21 | 0.0% | 3 |
| Prescott Valley-Prescott, AZ | 9 | office only read | 10 | 0.0% | 0 |
| Provo-Orem-Lehi, UT | 9 | neither | 14 | 7.4% | 5 |
| Shreveport-Bossier City, LA | 9 | retail & office | 14 | 0.0% | 4 |
| Spokane-Spokane Valley, WA | 9 | neither | 14 | 0.0% | 1 |
| Youngstown-Warren, OH | 9 | office | 2 | 0.0% | 1 |
| New Haven, CT | 9 | retail only read | 19 | 10.4% | 3 |
| Reno, NV | 9 | neither | 34 | 0.0% | 4 |
| Buffalo-Cheektowaga, NY | 9 | retail & office | 30 | 3.4% | 8 |
| Allentown-Bethlehem-Easton, PA-NJ | 9 | retail | 32 | 0.0% | 10 |
| Ann Arbor, MI | 8 | office | 29 | 0.0% | 6 |
| Modesto, CA | 8 | neither | 17 | 0.0% | 4 |
| Canton-Massillon, OH | 8 | office | 12 | 0.0% | 4 |
| Madison, WI | 8 | neither | 7 | 0.0% | 2 |
| Salem, OR | 8 | neither | 10 | 0.0% | 3 |
| Birmingham, AL | 8 | retail | 33 | 9.1% | 6 |
| Des Moines-West Des Moines, IA | 8 | neither | 15 | 0.0% | 2 |
| Vallejo, CA | 7 | retail | 18 | 0.0% | 0 |
| McAllen-Edinburg-Mission, TX | 7 | neither | 12 | 0.0% | 2 |
| Fort Collins-Loveland, CO | 7 | neither | 13 | 0.0% | 3 |
| Medford, OR | 7 | neither | 3 | 0.0% | 1 |
| Monroe, LA | 7 | office | 1 | 0.0% | 0 |
| Albuquerque, NM | 7 | retail | 32 | 3.2% | 8 |
| Little Rock-North Little Rock-Conway, AR | 7 | retail | 21 | 0.0% | 4 |
| Portland-South Portland, ME | 7 | retail | 5 | 0.0% | 2 |
| Columbia, SC | 7 | retail | 25 | 0.0% | 9 |
| San Luis Obispo-Paso Robles, CA | 6 | office | 13 | 0.0% | 0 |
| Slidell-Mandeville-Covington, LA | 6 | neither | 4 | 0.0% | 1 |
| Lake Havasu City-Kingman, AZ | 6 | neither | 4 | 0.0% | 0 |
| Elkhart-Goshen, IN | 6 | neither | 7 | 14.8% | 2 |
| Lake Charles, LA | 6 | office only read | 6 | 15.5% | 1 |
| Lakeland-Winter Haven, FL | 6 | neither | 20 | 4.9% | 4 |
| Lansing-East Lansing, MI | 6 | office | 17 | 0.0% | 5 |
| Ogden, UT | 6 | neither | 13 | 0.0% | 0 |
| Bend, OR | 6 | neither | 5 | 0.0% | 2 |
| Greeley, CO | 6 | neither | 7 | 14.3% | 0 |
| Durham-Chapel Hill, NC | 6 | neither | 24 | 8.2% | 4 |
| Toledo, OH | 6 | office | 18 | 0.0% | 5 |
| Santa Cruz-Watsonville, CA | 5 | office | 7 | 0.0% | 1 |
| Houma-Bayou Cane-Thibodaux, LA | 5 | office only read | 4 | 0.0% | 0 |
| Charleston, WV | 5 | retail only read | 10 | 9.8% | 1 |
| Tyler, TX | 5 | neither | 5 | 0.0% | 0 |
| Ocala, FL | 5 | neither | 13 | 7.8% | 0 |
| Gainesville, FL | 5 | neither | 11 | 0.0% | 6 |
| Manchester-Nashua, NH | 5 | neither | 4 | 26.1% | 1 |
| Jackson, MS | 5 | retail | 16 | 31.5% | 4 |
| Fayetteville-Springdale-Rogers, AR | 5 | retail only read | 13 | 0.0% | 2 |
| Worcester, MA | 5 | retail | 12 | 0.0% | 2 |
| Harrisburg-Carlisle, PA | 5 | neither | 27 | 0.0% | 2 |
| Champaign-Urbana, IL | 4 | office | 5 | 0.0% | 1 |
| Rockford, IL | 4 | retail | 9 | 0.0% | 1 |
| Bloomington, IN | 4 | neither | 11 | 0.0% | 1 |
| Kenosha, WI | 4 | neither | 5 | 0.0% | 0 |
| Yuma, AZ | 4 | office only read | 12 | 0.4% | 2 |
| Visalia, CA | 4 | neither | 10 | 0.0% | 2 |
| Bremerton-Silverdale-Port Orchard, WA | 4 | neither | 5 | 0.0% | 1 |
| Beaumont-Port Arthur, TX | 4 | retail only read | 11 | 0.0% | 4 |
| Eugene-Springfield, OR | 4 | neither | 5 | 0.0% | 1 |
| Bellingham, WA | 4 | neither | 4 | 0.0% | 0 |
| Lima, OH | 4 | neither | 1 | 0.0% | 0 |
| Sebastian-Vero Beach-West Vero Corridor, FL | 4 | neither | 11 | 0.0% | 0 |
| Green Bay, WI | 4 | office | 7 | 0.0% | 2 |
| Alexandria, LA | 4 | retail | 7 | 0.0% | 1 |
| Kennewick-Richland, WA | 4 | neither | 5 | 0.0% | 1 |
| Beckley, WV | 4 | neither | 0 | 0.0% | 0 |
| Waterbury-Shelton, CT | 4 | retail only read | 13 | 0.0% | 3 |
| Knoxville, TN | 4 | neither | 17 | 0.0% | 2 |
| Sioux Falls, SD-MN | 4 | retail only read | 6 | 0.0% | 1 |
| Huntsville, AL | 4 | neither | 26 | 3.8% | 7 |
| Lincoln, NE | 4 | neither | 6 | 0.8% | 2 |
| Chattanooga, TN-GA | 4 | neither | 23 | 0.0% | 5 |
| Augusta-Richmond County, GA-SC | 4 | neither | 24 | 0.0% | 4 |
| Lafayette-West Lafayette, IN | 3 | neither | 2 | 0.0% | 2 |
| Chico, CA | 3 | neither | 5 | 19.3% | 2 |
| Napa, CA | 3 | neither | 4 | 0.0% | 2 |
| College Station-Bryan, TX | 3 | office only read | 8 | 13.8% | 1 |
| Huntington-Ashland, WV-KY-OH | 3 | retail only read | 2 | 28.7% | 0 |
| Brownsville-Harlingen, TX | 3 | office only read | 16 | 0.0% | 2 |
| Longview, TX | 3 | office only read | 3 | 0.0% | 1 |
| Traverse City, MI | 3 | office only read | 9 | 0.0% | 1 |
| Flagstaff, AZ | 3 | retail | 4 | 0.0% | 0 |
| Olympia-Lacey-Tumwater, WA | 3 | office only read | 12 | 0.0% | 5 |
| Wildwood-The Villages, FL | 3 | office only read | 1 | 0.0% | 0 |
| Odessa, TX | 3 | neither | 6 | 31.0% | 3 |
| Appleton, WI | 3 | office | 5 | 0.0% | 0 |
| Yakima, WA | 3 | neither | 5 | 0.0% | 0 |
| Kingston, NY | 3 | neither | 5 | 19.8% | 0 |
| Saginaw, MI | 3 | office | 10 | 3.5% | 1 |
| Waco, TX | 3 | retail only read | 7 | 0.0% | 0 |
| Niles, MI | 3 | neither | 4 | 27.4% | 0 |
| St. George, UT | 3 | neither | 2 | 0.0% | 0 |
| Mansfield, OH | 3 | neither | 5 | 0.0% | 0 |
| Savannah, GA | 3 | office only read | 26 | 0.0% | 7 |
| Lubbock, TX | 3 | no reading | 26 | 11.5% | 4 |
| Charlottesville, VA | 3 | neither | 3 | 0.0% | 0 |
| Burlington-South Burlington, VT | 3 | neither | 11 | 0.0% | 4 |
| Myrtle Beach-Conway-North Myrtle Beach, SC | 3 | neither | 11 | 0.0% | 3 |
| Greensboro-High Point, NC | 3 | retail | 27 | 3.7% | 5 |
| Fargo, ND-MN | 3 | neither | 5 | 1.0% | 1 |
| Springfield, MA | 3 | neither | 6 | 0.0% | 1 |
| Barnstable Town, MA | 3 | neither | 3 | 0.0% | 0 |
| Wichita, KS | 3 | retail | 10 | 2.4% | 4 |
| Winston-Salem, NC | 3 | office | 17 | 11.5% | 4 |
| Springfield, IL | 2 | retail | 5 | 0.0% | 0 |
| Yuba City, CA | 2 | neither | 3 | 0.0% | 0 |
| Merced, CA | 2 | neither | 7 | 0.0% | 1 |
| Peoria, IL | 2 | retail only read | 11 | 0.0% | 3 |
| Redding, CA | 2 | neither | 4 | 0.0% | 2 |
| Midland, TX | 2 | neither | 8 | 12.4% | 3 |
| South Bend-Mishawaka, IN-MI | 2 | retail | 5 | 0.0% | 3 |
| Bloomington, IL | 2 | neither | 4 | 0.0% | 0 |
| Muncie, IN | 2 | neither | 3 | 32.8% | 0 |
| Killeen-Temple, TX | 2 | office only read | 13 | 0.0% | 2 |
| Kalamazoo-Portage, MI | 2 | neither | 10 | 0.0% | 4 |
| Wichita Falls, TX | 2 | office only read | 6 | 0.0% | 2 |
| Laredo, TX | 2 | neither | 13 | 0.0% | 1 |
| Racine-Mount Pleasant, WI | 2 | office | 3 | 0.0% | 0 |
| Punta Gorda, FL | 2 | office only read | 5 | 0.0% | 2 |
| Albany, OR | 2 | neither | 2 | 0.0% | 0 |
| Janesville-Beloit, WI | 2 | neither | 3 | 0.0% | 0 |
| Owensboro, KY | 2 | retail | 1 | 0.0% | 0 |
| Corvallis, OR | 2 | office | — | — | 0 |
| Wenatchee-East Wenatchee, WA | 2 | office | 0 | 0.0% | 0 |
| Wheeling, WV-OH | 2 | office | 3 | 0.0% | 3 |
| Tallahassee, FL | 2 | neither | 15 | 0.0% | 6 |
| Logan, UT-ID | 2 | neither | 1 | 12.5% | 0 |
| Cheyenne, WY | 2 | retail | 3 | 1.6% | 0 |
| Scranton--Wilkes-Barre, PA | 2 | retail | 8 | 12.7% | 2 |
| Lexington Park, MD | 2 | neither | 5 | 0.0% | 1 |
| Billings, MT | 2 | neither | 2 | 0.0% | 1 |
| Amherst Town-Northampton, MA | 2 | neither | — | — | 0 |
| Springfield, MO | 2 | office only read | 7 | 0.0% | 0 |
| Spartanburg, SC | 2 | neither | 13 | 7.9% | 4 |
| Reading, PA | 2 | neither | 11 | 0.0% | 1 |
| El Centro, CA | 1 | neither | 7 | 0.0% | 1 |
| Sherman-Denison, TX | 1 | neither | 1 | 0.0% | 0 |
| Sierra Vista-Douglas, AZ | 1 | office only read | 5 | 0.0% | 1 |
| Coeur d'Alene, ID | 1 | neither | 7 | 0.0% | 0 |
| Elizabethtown, KY | 1 | retail only read | 3 | 0.0% | 0 |
| Grants Pass, OR | 1 | neither | — | — | 0 |
| Amarillo, TX | 1 | retail only read | 12 | 0.0% | 2 |
| Gainesville, GA | 1 | office only read | 4 | 0.0% | 0 |
| Hanford-Corcoran, CA | 1 | neither | 3 | 0.0% | 0 |
| Mount Vernon-Anacortes, WA | 1 | neither | 1 | 0.0% | 0 |
| Idaho Falls, ID | 1 | office | 3 | 0.0% | 0 |
| Abilene, TX | 1 | neither | 3 | 0.0% | 0 |
| Ithaca, NY | 1 | neither | 2 | 0.0% | 1 |
| Davenport-Moline-Rock Island, IA-IL | 1 | neither | 9 | 0.0% | 4 |
| Fond du Lac, WI | 1 | neither | 0 | 0.0% | 0 |
| Longview-Kelso, WA | 1 | neither | 2 | 50.0% | 0 |
| Hammond, LA | 1 | office only read | 4 | 0.0% | 1 |
| Michigan City-La Porte, IN | 1 | office | 8 | 0.0% | 0 |
| Weirton-Steubenville, WV-OH | 1 | office | 0 | 0.0% | 0 |
| Oshkosh-Neenah, WI | 1 | neither | 4 | 0.0% | 0 |
| Walla Walla, WA | 1 | neither | 1 | 0.0% | 0 |
| Bowling Green, KY | 1 | office only read | 6 | 16.7% | 1 |
| Carson City, NV | 1 | neither | 3 | 0.0% | 0 |
| Binghamton, NY | 1 | office | 4 | 24.6% | 1 |
| Auburn-Opelika, AL | 1 | neither | 5 | 0.0% | 1 |
| Muskegon-Norton Shores, MI | 1 | neither | 3 | 0.0% | 1 |
| Bozeman, MT | 1 | office only read | 4 | 0.0% | 0 |
| Iowa City, IA | 1 | office | 2 | 0.0% | 0 |
| Athens-Clarke County, GA | 1 | retail only read | 6 | 0.0% | 1 |
| Santa Fe, NM | 1 | retail & office | 10 | 21.1% | 1 |
| Twin Falls, ID | 1 | office only read | 2 | 0.0% | 0 |
| Dover, DE | 1 | retail only read | 3 | 0.0% | 1 |
| Tuscaloosa, AL | 1 | retail only read | 3 | 0.0% | 1 |
| Lancaster, PA | 1 | retail | 13 | 0.0% | 1 |
| Morgantown, WV | 1 | office only read | 3 | 0.0% | 0 |
| Greenville, NC | 1 | neither | 2 | 0.0% | 0 |
| Helena, MT | 1 | neither | 2 | 0.0% | 0 |
| St. Cloud, MN | 1 | office | 3 | 0.0% | 0 |
| Manhattan, KS | 1 | office only read | 4 | 0.0% | 0 |
| Norwich-New London-Willimantic, CT | 1 | retail only read | 6 | 0.0% | 1 |
| Atlantic City-Hammonton, NJ | 1 | retail & office | 9 | 10.6% | 3 |
| Sebring, FL | 1 | office | 3 | 0.0% | 0 |
| State College, PA | 1 | retail | 3 | 0.0% | 0 |
| Asheville, NC | 1 | neither | 17 | 0.0% | 0 |
| Ames, IA | 1 | retail only read | 1 | 0.0% | 0 |
| Florence-Muscle Shoals, AL | 1 | office | 2 | 0.0% | 1 |
| Hilton Head Island-Bluffton-Port Royal, SC | 1 | neither | 10 | 0.0% | 2 |
114 of the bank's 5141 branches (2%) sit outside every metro the tape reads; nothing is printed for them.
Peers · the same asset band, nationally and in New York-Newark-Jersey City, NY-NJ
Every cohort is inside an asset band (over $100bn), because size moves the concentration ratios more than anything else does. A position is an interval —
the share of the cohort below this bank and the share at or below it differ by the tie — and below 10 banks nothing is ranked.
over $100bn, nationally
32 banks
Investor CRE / capital
50–53th pct
16 below · 1 at the same value · 15 above
Construction / capital
44–47th pct
14 below · 1 at the same value · 17 above
over $100bn, in New York-Newark-Jersey City, NY-NJ
18 banks
Investor CRE / capital
50–56th pct
9 below · 1 at the same value · 8 above
Construction / capital
39–44th pct
7 below · 1 at the same value · 10 above
banks with a branch in this metro, from the 2026 Summary of Deposits. This metro holds 658 of the bank's 5141 branches (13%), and 114 are outside any metro area; the bank operates in 264 metros.
Of the 32 banks in the over $100bn band nationally, over each line:
Construction at or above 100% of capital — criterion 1 — 0 of 32 (0.0%); CRE at or above 300% of capital — 0 of 32 (0.0%); ... and the book grew 50% or more in 36 months — criterion 2 — 0 of 32 (0.0%); Over either criterion — 0 of 32 (0.0%); Total risk-based capital below 10% (risk-based filers) — 0 of 32 (0.0%); Tier 1 risk-based capital below 8% (risk-based filers) — 0 of 32 (0.0%); Tier 1 leverage below 5% (risk-based filers) — 0 of 32 (0.0%); Below a well-capitalized line, on the filer's own basis — 0 of 32 (0.0%); Brokered deposits at or above 10% of assets — 7 of 32 (21.9%).
What moves faster than the Call Report
Forward transfer-risk watch
2,546 loans
$64,315mn in this bank's metros scored High or Elevated for transfer to special servicing within two quarters, not yet transferred. The loans are the door.door
In special servicing, with commentary
371 loans
the servicer's own filed narrative, loan by loan. The narratives are the door.door
WARN notices, 90 days
705 notices
78,700 jobs, in this bank's metros, under review. The employers and addresses are the door.door
The four bank lenses
Franchise · Strain · Mark · Consolidation
every bank against every line, the franchise gradient, the mark on the book, the consolidation clock — this bank placed on each.door
Watch dossier
none
no watch dossier has been written for this bank; the absence is a fact about the watchlist, not about the bank.
Boundaries
- The Call Report carries no collateral geography. The footprint is where the branches are (FDIC Summary of Deposits, 30 June 2026), not where the loans are.
- The regulator's lines are absolute (SR 06-26, 12 CFR 324.403, 12 CFR 327.16) and read on the 2026Q2 Call Report; the 36-month growth is from the tape's own quarter, 2023Q2.
- Owner-occupied commercial real estate is excluded from criterion 2, as SR 06-26 excludes it.
- The Hotspots cell is a relative cut — the top quartile of the 298 metros with both readings on each lens (snapshot 2026-10-30) — not a line of any regulator's.
- A capital ratio is read on the filer's own basis (risk-based); a CBLR filer reports no risk-based ratio and none is inferred.
- This page is rebuilt nightly from stored filings; generated 2026-10-30. Banks under the Call Report tape's $100mn floor have no page.
See the whole picture, not just the call report.
These pages publish what every bank files about its commercial real estate book, quarter by quarter. The platform goes inside the filing: concentration against the supervisory lines, loan modifications, where the risk moved when it left the balance sheet, and how much room each of your lenders has left.