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Distressed Note Industry
Utah Commercial & Industrial
Analyzing commercial & industrial loan performance across 70 Utah banks
As of Q2 2025, 70 Utah banks report commercial & industrial portfolios totaling $212.0B. Non-performing loans in this category total $1.8B — an average NPL ratio of 0.85% — with $1.4B 30-89 days delinquent, $627.9M 90+ days delinquent, and $1.2B in nonaccrual status. The most distressed lender in this category is UTAH INDEPENDENT BANK (UT) with an NPL ratio of 17.44%.
Total Lenders
70
Total Loan Portfolio
$212.0B
Total NPL
$1.8B
Average NPL %
0.85%
Delinquency Breakdown
30-89 Days
$1.4B
90+ Days
$627.9M
Nonaccrual
$1.2B
Charge-offs
$2.0B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Utah
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| UTAH INDEPENDENT BANK | UT | $18.4M | $3.2M | 17.44% |
| UTAH INDEPENDENT BANK | UT | $18.4M | $3.2M | 17.44% |
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $162.8M | $26.1M | 16.05% |
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $162.8M | $26.1M | 16.05% |
| COMENITY CAPITAL BANK | UT | $3.4M | $360K | 10.73% |
| COMENITY CAPITAL BANK | UT | $3.4M | $360K | 10.73% |
| CAPITAL COMMUNITY BANK | UT | $226.9M | $13.9M | 6.12% |
| CAPITAL COMMUNITY BANK | UT | $226.9M | $13.9M | 6.12% |
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