My Work
Distressed Note Industry
Maine Commercial Loans
Analyzing commercial loans loan performance across 87 Maine banks
As of Q2 2025, 87 Maine banks report commercial loans portfolios totaling $30.3B. Non-performing loans in this category total $97.8M — an average NPL ratio of 0.32% — with $90.3M 30-89 days delinquent, $50K 90+ days delinquent, and $97.8M in nonaccrual status. The most distressed lender in this category is BAR HARBOR SAVINGS AND LOAN ASSOCIATION (ME) with an NPL ratio of 3.71%.
Total Lenders
87
Total Loan Portfolio
$30.3B
Total NPL
$97.8M
Average NPL %
0.32%
Delinquency Breakdown
30-89 Days
$90.3M
90+ Days
$50K
Nonaccrual
$97.8M
Charge-offs
$3.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Maine
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BAR HARBOR SAVINGS AND LOAN ASSOCIATION | ME | $6.7M | $248K | 3.71% |
| NORWAY SAVINGS BANK | ME | $158.0M | $5.7M | 3.58% |
| BAR HARBOR SAVINGS AND LOAN ASSOCIATION | ME | $10.8M | $248K | 2.31% |
| FRANKLIN SAVINGS BANK | ME | $196.2M | $4.4M | 2.25% |
| FRANKLIN SAVINGS BANK | ME | $275.9M | $4.4M | 1.60% |
| NORTHEAST BANK | ME | $254.3M | $3.8M | 1.48% |
| NORWAY SAVINGS BANK | ME | $527.0M | $7.6M | 1.44% |
| NORTHEAST BANK | ME | $1.9B | $18.3M | 0.97% |
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