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Distressed Note Industry
Pennsylvania Commercial & Industrial
Analyzing commercial & industrial loan performance across 216 Pennsylvania banks
As of Q2 2025, 216 Pennsylvania banks report commercial & industrial portfolios totaling $61.5B. Non-performing loans in this category total $599.1M — an average NPL ratio of 0.97% — with $291.2M 30-89 days delinquent, $36.5M 90+ days delinquent, and $562.6M in nonaccrual status. The most distressed lender in this category is TIOGA-FRANKLIN SAVINGS BANK (PA) with an NPL ratio of 22.05%.
Total Lenders
216
Total Loan Portfolio
$61.5B
Total NPL
$599.1M
Average NPL %
0.97%
Delinquency Breakdown
30-89 Days
$291.2M
90+ Days
$36.5M
Nonaccrual
$562.6M
Charge-offs
$150.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| TIOGA-FRANKLIN SAVINGS BANK | PA | $7.5M | $1.7M | 22.05% |
| TIOGA-FRANKLIN SAVINGS BANK | PA | $7.5M | $1.7M | 22.05% |
| PHOENIXVILLE FEDERAL BANK AND TRUST | PA | $11.4M | $1.6M | 13.90% |
| PHOENIXVILLE FEDERAL BANK AND TRUST | PA | $11.4M | $1.6M | 13.90% |
| UNITED BANK OF PHILADELPHIA | PA | $7.7M | $973K | 12.66% |
| UNITED BANK OF PHILADELPHIA | PA | $7.7M | $973K | 12.66% |
| MERCER COUNTY STATE BANK | PA | $46.9M | $2.8M | 5.98% |
| MERCER COUNTY STATE BANK | PA | $46.9M | $2.8M | 5.98% |
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