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Distressed Note Industry
Colorado Commercial & Industrial
Analyzing commercial & industrial loan performance across 120 Colorado banks
As of Q2 2025, 120 Colorado banks report commercial & industrial portfolios totaling $8.4B. Non-performing loans in this category total $98.5M — an average NPL ratio of 1.17% — with $66.4M 30-89 days delinquent, $6.2M 90+ days delinquent, and $92.3M in nonaccrual status. The most distressed lender in this category is HOME LOAN STATE BANK (CO) with an NPL ratio of 19.52%.
Total Lenders
120
Total Loan Portfolio
$8.4B
Total NPL
$98.5M
Average NPL %
1.17%
Delinquency Breakdown
30-89 Days
$66.4M
90+ Days
$6.2M
Nonaccrual
$92.3M
Charge-offs
$30.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Colorado
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HOME LOAN STATE BANK | CO | $21.1M | $4.1M | 19.52% |
| HOME LOAN STATE BANK | CO | $21.1M | $4.1M | 19.52% |
| HIGH COUNTRY BANK | CO | $18.2M | $1.3M | 7.41% |
| HIGH COUNTRY BANK | CO | $18.2M | $1.3M | 7.41% |
| REDSTONE BANK | CO | $12.9M | $796K | 6.19% |
| REDSTONE BANK | CO | $12.9M | $796K | 6.19% |
| NATIVE AMERICAN BANK, NATIONAL ASSOCIATION | CO | $49.5M | $2.0M | 4.09% |
| NATIVE AMERICAN BANK, NATIONAL ASSOCIATION | CO | $49.5M | $2.0M | 4.09% |
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