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Distressed Note Industry
Pennsylvania Commercial Loans
Analyzing commercial loans loan performance across 440 Pennsylvania banks
As of Q2 2025, 440 Pennsylvania banks report commercial loans portfolios totaling $151.5B. Non-performing loans in this category total $988.7M — an average NPL ratio of 0.65% — with $563.3M 30-89 days delinquent, $48.3M 90+ days delinquent, and $940.3M in nonaccrual status. The most distressed lender in this category is SOMERSET TRUST COMPANY (PA) with an NPL ratio of 13.30%.
Total Lenders
440
Total Loan Portfolio
$151.5B
Total NPL
$988.7M
Average NPL %
0.65%
Delinquency Breakdown
30-89 Days
$563.3M
90+ Days
$48.3M
Nonaccrual
$940.3M
Charge-offs
$81.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SOMERSET TRUST COMPANY | PA | $95.8M | $12.7M | 13.30% |
| TIOGA-FRANKLIN SAVINGS BANK | PA | $13.1M | $1.2M | 9.16% |
| WOODLANDS BANK | PA | $56.3M | $5.1M | 8.99% |
| UNITED BANK OF PHILADELPHIA | PA | $15.8M | $1.3M | 7.98% |
| UNITED BANK OF PHILADELPHIA | PA | $16.6M | $1.3M | 7.59% |
| ENTERPRISE BANK | PA | $98.3M | $6.6M | 6.72% |
| TIOGA-FRANKLIN SAVINGS BANK | PA | $19.5M | $1.3M | 6.48% |
| ALTOONA FIRST SAVINGS BANK | PA | $31.6M | $2.0M | 6.23% |
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Commercial Loans in Other States
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