My Work
Distressed Note Industry
Virginia Consumer Loans
Analyzing consumer loans loan performance across 117 Virginia banks
As of Q2 2025, 117 Virginia banks report consumer loans portfolios totaling $643.0B. Non-performing loans in this category total $11.4B — an average NPL ratio of 1.77% — with $17.9B 30-89 days delinquent, $10.2B 90+ days delinquent, and $1.2B in nonaccrual status. The most distressed lender in this category is BLUE RIDGE BANK, NATIONAL ASSOCIATION (VA) with an NPL ratio of 3.78%.
Total Lenders
117
Total Loan Portfolio
$643.0B
Total NPL
$11.4B
Average NPL %
1.77%
Delinquency Breakdown
30-89 Days
$17.9B
90+ Days
$10.2B
Nonaccrual
$1.2B
Charge-offs
$15.1B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Virginia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BLUE RIDGE BANK, NATIONAL ASSOCIATION | VA | $5.6M | $212K | 3.78% |
| HIGHLANDS COMMUNITY BANK | VA | $12.3M | $365K | 2.97% |
| HIGHLANDS COMMUNITY BANK | VA | $12.3M | $365K | 2.97% |
| BLUE RIDGE BANK, NATIONAL ASSOCIATION | VA | $33.8M | $895K | 2.65% |
| BLUE RIDGE BANK, NATIONAL ASSOCIATION | VA | $28.2M | $683K | 2.43% |
| CAPITAL ONE, NATIONAL ASSOCIATION | VA | $238.4B | $5.1B | 2.14% |
| MINERS EXCHANGE BANK | VA | $3.7M | $77K | 2.07% |
| MINERS EXCHANGE BANK | VA | $3.7M | $77K | 2.07% |
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Consumer Loans in Other States
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