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Distressed Note Industry
Massachusetts Commercial Loans
Analyzing commercial loans loan performance across 379 Massachusetts banks
As of Q2 2025, 379 Massachusetts banks report commercial loans portfolios totaling $135.0B. Non-performing loans in this category total $1.1B — an average NPL ratio of 0.79% — with $112.1M 30-89 days delinquent, $49.1M 90+ days delinquent, and $1.0B in nonaccrual status. The most distressed lender in this category is SAVINGS BANK, THE (MA) with an NPL ratio of 14.79%.
Total Lenders
379
Total Loan Portfolio
$135.0B
Total NPL
$1.1B
Average NPL %
0.79%
Delinquency Breakdown
30-89 Days
$112.1M
90+ Days
$49.1M
Nonaccrual
$1.0B
Charge-offs
$231.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SAVINGS BANK, THE | MA | $67.5M | $10.0M | 14.79% |
| STATE STREET BANK AND TRUST COMPANY | MA | $1.5B | $192.0M | 12.76% |
| NEWBURYPORT FIVE CENTS SAVINGS BANK | MA | $202.2M | $16.8M | 8.29% |
| STATE STREET BANK AND TRUST COMPANY | MA | $2.6B | $192.0M | 7.53% |
| SAVINGS BANK, THE | MA | $142.3M | $10.0M | 7.02% |
| BANKESB | MA | $461.5M | $32.3M | 7.01% |
| NORTHERN BANK & TRUST COMPANY | MA | $465.3M | $25.7M | 5.51% |
| NEWBURYPORT FIVE CENTS SAVINGS BANK | MA | $608.5M | $29.4M | 4.83% |
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