My Work
Distressed Note Industry
California Commercial Loans
Analyzing commercial loans loan performance across 463 California banks
As of Q2 2025, 463 California banks report commercial loans portfolios totaling $345.6B. Non-performing loans in this category total $2.1B — an average NPL ratio of 0.61% — with $908.3M 30-89 days delinquent, $37.3M 90+ days delinquent, and $2.1B in nonaccrual status. The most distressed lender in this category is NANO BANC (CA) with an NPL ratio of 26.84%.
Total Lenders
463
Total Loan Portfolio
$345.6B
Total NPL
$2.1B
Average NPL %
0.61%
Delinquency Breakdown
30-89 Days
$908.3M
90+ Days
$37.3M
Nonaccrual
$2.1B
Charge-offs
$162.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in California
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NANO BANC | CA | $117.1M | $31.4M | 26.84% |
| NANO BANC | CA | $298.0M | $62.5M | 20.96% |
| AMERICAN CONTINENTAL BANK | CA | $47.6M | $8.6M | 18.15% |
| NANO BANC | CA | $178.2M | $31.0M | 17.42% |
| CALIFORNIA PACIFIC BANK | CA | $27.5M | $3.1M | 11.15% |
| UNIVERSAL BANK | CA | $84.2M | $9.2M | 10.99% |
| GOLDEN STATE BANK | CA | $127.7M | $10.1M | 7.94% |
| AMERICAN CONTINENTAL BANK | CA | $125.5M | $8.8M | 7.02% |
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