My Work
Distressed Note Industry
Michigan Commercial Loans
Analyzing commercial loans loan performance across 279 Michigan banks
As of Q2 2025, 279 Michigan banks report commercial loans portfolios totaling $33.2B. Non-performing loans in this category total $130.5M — an average NPL ratio of 0.39% — with $116.3M 30-89 days delinquent, $2.5M 90+ days delinquent, and $128.0M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK & TRUST (MI) with an NPL ratio of 37.90%.
Total Lenders
279
Total Loan Portfolio
$33.2B
Total NPL
$130.5M
Average NPL %
0.39%
Delinquency Breakdown
30-89 Days
$116.3M
90+ Days
$2.5M
Nonaccrual
$128.0M
Charge-offs
$5.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Michigan
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NATIONAL BANK & TRUST | MI | $13.9M | $5.3M | 37.90% |
| NORTHPOINTE BANK | MI | $830K | $262K | 31.57% |
| NORTHPOINTE BANK | MI | $906K | $262K | 28.92% |
| ALDEN STATE BANK | MI | $3.1M | $347K | 11.16% |
| FIRST NATIONAL BANK OF AMERICA | MI | $40.5M | $4.3M | 10.71% |
| FIRST NATIONAL BANK & TRUST | MI | $82.3M | $7.5M | 9.05% |
| CITIZENS STATE BANK | MI | $4.9M | $441K | 9.05% |
| GOGEBIC RANGE BANK | MI | $8.0M | $612K | 7.69% |
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