My Work
Distressed Note Industry
New York Consumer Loans
Analyzing consumer loans loan performance across 141 New York banks
As of Q2 2025, 141 New York banks report consumer loans portfolios totaling $66.8B. Non-performing loans in this category total $890.7M — an average NPL ratio of 1.33% — with $1.1B 30-89 days delinquent, $852.6M 90+ days delinquent, and $38.1M in nonaccrual status. The most distressed lender in this category is CITIZENS NATIONAL BANK OF HAMMOND, THE (NY) with an NPL ratio of 2.20%.
Total Lenders
141
Total Loan Portfolio
$66.8B
Total NPL
$890.7M
Average NPL %
1.33%
Delinquency Breakdown
30-89 Days
$1.1B
90+ Days
$852.6M
Nonaccrual
$38.1M
Charge-offs
$1.5B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in New York
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CITIZENS NATIONAL BANK OF HAMMOND, THE | NY | $3.3M | $73K | 2.20% |
| CITIZENS NATIONAL BANK OF HAMMOND, THE | NY | $3.3M | $73K | 2.20% |
| ABACUS FEDERAL SAVINGS BANK | NY | $47K | $1K | 2.13% |
| ABACUS FEDERAL SAVINGS BANK | NY | $47K | $1K | 2.13% |
| RIDGEWOOD SAVINGS BANK | NY | $4.3M | $90K | 2.09% |
| RIDGEWOOD SAVINGS BANK | NY | $4.3M | $90K | 2.09% |
| GOLDMAN SACHS BANK USA | NY | $20.8B | $415.0M | 2.00% |
| GOLDMAN SACHS BANK USA | NY | $20.8B | $415.0M | 2.00% |
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Consumer Loans in Other States
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District of Columbia
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