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Distressed Note Industry
Oregon Commercial & Industrial
Analyzing commercial & industrial loan performance across 28 Oregon banks
As of Q2 2025, 28 Oregon banks report commercial & industrial portfolios totaling $14.2B. Non-performing loans in this category total $96.3M — an average NPL ratio of 0.68% — with $78.4M 30-89 days delinquent, $10.9M 90+ days delinquent, and $85.4M in nonaccrual status. The most distressed lender in this category is LEWIS & CLARK BANK (OR) with an NPL ratio of 2.73%.
Total Lenders
28
Total Loan Portfolio
$14.2B
Total NPL
$96.3M
Average NPL %
0.68%
Delinquency Breakdown
30-89 Days
$78.4M
90+ Days
$10.9M
Nonaccrual
$85.4M
Charge-offs
$98.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Oregon
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LEWIS & CLARK BANK | OR | $15.0M | $409K | 2.73% |
| LEWIS & CLARK BANK | OR | $15.0M | $409K | 2.73% |
| OREGON COAST BANK | OR | $17.8M | $404K | 2.28% |
| OREGON COAST BANK | OR | $17.8M | $404K | 2.28% |
| CITIZENS BANK | OR | $38.0M | $598K | 1.57% |
| CITIZENS BANK | OR | $38.0M | $598K | 1.57% |
| PIONEER TRUST BANK, NATIONAL ASSOCIATION | OR | $93.9M | $898K | 0.96% |
| PIONEER TRUST BANK, NATIONAL ASSOCIATION | OR | $93.9M | $898K | 0.96% |
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