Asset Quality — Debt Collection Risk Score (DCRS)

Tier Cross-Tab by Asset Size

Double Jeopardy — Negative ROA AND NPA > 1.5%

Banks simultaneously losing money and carrying elevated non-performing assets — highest collection stress in the fleet.

Risk by SPC Peer Group

Peer Group Risk Table

State / Territory Risk Heatmap

States ranked by average DCRS; color intensity reflects Critical+High concentration.

State Risk Detail

Asset Size Tier Detail

Full Fleet Leaderboard

Debt Collection Risk Score (DCRS) — Methodology

The DCRS is a composite 0–100 score estimating collection difficulty at community banks, derived from FDIC Call Report data (Q4 2025). Higher scores signal greater collection stress.

Risk Tier Thresholds

• CRITICAL — DCRS ≥ 80: Severe collection distress, often negative earnings
• HIGH — DCRS 65–79: Elevated NPA with thin margins
• ELEVATED — DCRS 50–64: Above-peer NPA, watchlist candidates
• MODERATE — DCRS 35–49: Normal range, peer-aligned metrics
• LOW — DCRS < 35: Healthy asset quality, strong earnings cushion

Data Limitations

NPL (Non-Performing Loans), DSO, and granular charge-off breakdowns are not available in FDIC Call Report summary data. This analysis uses the NPA ratio and proxy metrics as the best available indicators of collection difficulty. Source: FDIC Call Reports Q4 2025; generated April 2026.