I'm not sure if it's my laptop, running game on off(shadows, water reflections, grass and such) to high(subsampling, textures) mixed settings but sometimes game have some problems loading NPCs in crowded areas...
It's very annoying in main city banks and such, can you, please, add extra banker staff and spread them out in bank a bit more if possible?
Places like bank of Daggerfall is currently biggest problem for me, there is about 10% chance for npc to load...
Repair client/reloadui didnt' solve problem.