My Work
Distressed Note Industry
New York Commercial Loans
Analyzing commercial loans loan performance across 405 New York banks
As of Q2 2025, 405 New York banks report commercial loans portfolios totaling $357.2B. Non-performing loans in this category total $10.8B — an average NPL ratio of 3.02% — with $2.2B 30-89 days delinquent, $316.6M 90+ days delinquent, and $10.5B in nonaccrual status. The most distressed lender in this category is QUONTIC BANK (NY) with an NPL ratio of 30.96%.
Total Lenders
405
Total Loan Portfolio
$357.2B
Total NPL
$10.8B
Average NPL %
3.02%
Delinquency Breakdown
30-89 Days
$2.2B
90+ Days
$316.6M
Nonaccrual
$10.5B
Charge-offs
$626.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in New York
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| QUONTIC BANK | NY | $1.5M | $457K | 30.96% |
| QUONTIC BANK | NY | $1.5M | $457K | 30.96% |
| MASSENA SAVINGS AND LOAN | NY | $923K | $186K | 20.15% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NY | $672.0M | $110.5M | 16.44% |
| CAYUGA LAKE NATIONAL BANK | NY | $19.8M | $2.5M | 12.74% |
| BANK OF NEW YORK MELLON, THE | NY | $2.1B | $254.0M | 12.08% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION | NY | $996.8M | $118.2M | 11.86% |
| GOLDMAN SACHS BANK USA | NY | $62.0M | $7.0M | 11.29% |
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Commercial Loans in Other States
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District of Columbia
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