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Distressed Note Industry
California Commercial & Industrial
Analyzing commercial & industrial loan performance across 228 California banks
As of Q2 2025, 228 California banks report commercial & industrial portfolios totaling $92.8B. Non-performing loans in this category total $972.9M — an average NPL ratio of 1.05% — with $356.2M 30-89 days delinquent, $28.3M 90+ days delinquent, and $944.7M in nonaccrual status. The most distressed lender in this category is CALIFORNIA PACIFIC BANK (CA) with an NPL ratio of 10.97%.
Total Lenders
228
Total Loan Portfolio
$92.8B
Total NPL
$972.9M
Average NPL %
1.05%
Delinquency Breakdown
30-89 Days
$356.2M
90+ Days
$28.3M
Nonaccrual
$944.7M
Charge-offs
$297.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in California
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CALIFORNIA PACIFIC BANK | CA | $2.8M | $312K | 10.97% |
| CALIFORNIA PACIFIC BANK | CA | $2.8M | $312K | 10.97% |
| BANK OF THE ORIENT | CA | $15.4M | $1.5M | 9.43% |
| BANK OF THE ORIENT | CA | $15.4M | $1.5M | 9.43% |
| GBC INTERNATIONAL BANK | CA | $47.5M | $3.9M | 8.15% |
| GBC INTERNATIONAL BANK | CA | $47.5M | $3.9M | 8.15% |
| CALIFORNIA BUSINESS BANK | CA | $23.8M | $1.7M | 7.08% |
| CALIFORNIA BUSINESS BANK | CA | $23.8M | $1.7M | 7.08% |
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