My Work
Distressed Note Industry
Pennsylvania Consumer Loans
Analyzing consumer loans loan performance across 173 Pennsylvania banks
As of Q2 2025, 173 Pennsylvania banks report consumer loans portfolios totaling $11.1B. Non-performing loans in this category total $22.8M — an average NPL ratio of 0.21% — with $97.0M 30-89 days delinquent, $7.9M 90+ days delinquent, and $14.9M in nonaccrual status. The most distressed lender in this category is PENN COMMUNITY BANK (PA) with an NPL ratio of 7.09%.
Total Lenders
173
Total Loan Portfolio
$11.1B
Total NPL
$22.8M
Average NPL %
0.21%
Delinquency Breakdown
30-89 Days
$97.0M
90+ Days
$7.9M
Nonaccrual
$14.9M
Charge-offs
$38.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PENN COMMUNITY BANK | PA | $127K | $9K | 7.09% |
| PENN COMMUNITY BANK | PA | $127K | $9K | 7.09% |
| UNITED BANK OF PHILADELPHIA | PA | $25K | $1K | 4.00% |
| UNITED BANK OF PHILADELPHIA | PA | $25K | $1K | 4.00% |
| CNB BANK | PA | $13.9M | $256K | 1.85% |
| FIRST UNITED NATIONAL BANK | PA | $12.0M | $211K | 1.75% |
| FIRST UNITED NATIONAL BANK | PA | $12.0M | $211K | 1.75% |
| FIRST NORTHERN BANK AND TRUST COMPANY | PA | $566K | $9K | 1.59% |
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