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Distressed Note Industry
Arizona Commercial & Industrial
Analyzing commercial & industrial loan performance across 24 Arizona banks
As of Q2 2025, 24 Arizona banks report commercial & industrial portfolios totaling $20.7B. Non-performing loans in this category total $171.6M — an average NPL ratio of 0.83% — with $24.7M 30-89 days delinquent, $52K 90+ days delinquent, and $171.5M in nonaccrual status. The most distressed lender in this category is BNC NATIONAL BANK (AZ) with an NPL ratio of 3.85%.
Total Lenders
24
Total Loan Portfolio
$20.7B
Total NPL
$171.6M
Average NPL %
0.83%
Delinquency Breakdown
30-89 Days
$24.7M
90+ Days
$52K
Nonaccrual
$171.5M
Charge-offs
$59.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Arizona
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BNC NATIONAL BANK | AZ | $139.8M | $5.4M | 3.85% |
| BNC NATIONAL BANK | AZ | $139.8M | $5.4M | 3.85% |
| SOUTHWEST HERITAGE BANK | AZ | $94.4M | $3.6M | 3.82% |
| SOUTHWEST HERITAGE BANK | AZ | $94.4M | $3.6M | 3.82% |
| GAINEY BUSINESS BANK | AZ | $27.3M | $259K | 0.95% |
| GAINEY BUSINESS BANK | AZ | $27.3M | $259K | 0.95% |
| 1ST BANK YUMA | AZ | $28.1M | $239K | 0.85% |
| 1ST BANK YUMA | AZ | $28.1M | $239K | 0.85% |
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