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Distressed Note Industry
Vermont Commercial & Industrial
Analyzing commercial & industrial loan performance across 24 Vermont banks
As of Q2 2025, 24 Vermont banks report commercial & industrial portfolios totaling $979.1M. Non-performing loans in this category total $16.2M — an average NPL ratio of 1.65% — with $9.9M 30-89 days delinquent, $112K 90+ days delinquent, and $16.1M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK OF ORWELL (VT) with an NPL ratio of 11.70%.
Total Lenders
24
Total Loan Portfolio
$979.1M
Total NPL
$16.2M
Average NPL %
1.65%
Delinquency Breakdown
30-89 Days
$9.9M
90+ Days
$112K
Nonaccrual
$16.1M
Charge-offs
$334K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Vermont
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF ORWELL | VT | $3.9M | $456K | 11.70% |
| FIRST NATIONAL BANK OF ORWELL | VT | $3.9M | $456K | 11.70% |
| COMMUNITY NATIONAL BANK | VT | $126.3M | $6.3M | 5.01% |
| COMMUNITY NATIONAL BANK | VT | $126.3M | $6.3M | 5.01% |
| UNION BANK | VT | $34.2M | $526K | 1.54% |
| UNION BANK | VT | $34.2M | $526K | 1.54% |
| NATIONAL BANK OF MIDDLEBURY | VT | $32.8M | $302K | 0.92% |
| NATIONAL BANK OF MIDDLEBURY | VT | $32.8M | $302K | 0.92% |
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