My Work
Distressed Note Industry
Texas Commercial Loans
Analyzing commercial loans loan performance across 486 Texas banks
As of Q2 2025, 486 Texas banks report commercial loans portfolios totaling $150.0B. Non-performing loans in this category total $1.2B — an average NPL ratio of 0.83% — with $483.1M 30-89 days delinquent, $144.8M 90+ days delinquent, and $1.1B in nonaccrual status. The most distressed lender in this category is COMMERCIAL STATE BANK (TX) with an NPL ratio of 13.54%.
Total Lenders
486
Total Loan Portfolio
$150.0B
Total NPL
$1.2B
Average NPL %
0.83%
Delinquency Breakdown
30-89 Days
$483.1M
90+ Days
$144.8M
Nonaccrual
$1.1B
Charge-offs
$65.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| COMMERCIAL STATE BANK | TX | $14.9M | $2.0M | 13.54% |
| TRANSPECOS BANKS, SSB | TX | $62.8M | $6.7M | 10.74% |
| ATASCOSA BANK | TX | $4.9M | $494K | 9.99% |
| R BANK | TX | $348.4M | $32.5M | 9.32% |
| WEST TEXAS STATE BANK | TX | $33.3M | $2.9M | 8.82% |
| FIRST NATIONAL BANK OF GIDDINGS | TX | $40.2M | $3.5M | 8.65% |
| ROBERT LEE STATE BANK | TX | $1.3M | $110K | 8.55% |
| ROBERT LEE STATE BANK | TX | $1.3M | $110K | 8.55% |
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Commercial Loans in Other States
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District of Columbia
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