My Work
Distressed Note Industry
Washington Commercial Loans
Analyzing commercial loans loan performance across 126 Washington banks
As of Q2 2025, 126 Washington banks report commercial loans portfolios totaling $64.7B. Non-performing loans in this category total $294.8M — an average NPL ratio of 0.46% — with $22.6M 30-89 days delinquent, $3.1M 90+ days delinquent, and $291.7M in nonaccrual status. The most distressed lender in this category is UNIBANK (WA) with an NPL ratio of 7.65%.
Total Lenders
126
Total Loan Portfolio
$64.7B
Total NPL
$294.8M
Average NPL %
0.46%
Delinquency Breakdown
30-89 Days
$22.6M
90+ Days
$3.1M
Nonaccrual
$291.7M
Charge-offs
$39.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Washington
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| UNIBANK | WA | $68.0M | $5.2M | 7.65% |
| BAKER BOYER NATIONAL BANK | WA | $45.5M | $1.8M | 3.96% |
| FIRST FED BANK | WA | $130.1M | $4.2M | 3.20% |
| HOMESTREET BANK | WA | $508.4M | $16.0M | 3.15% |
| UNIBANK | WA | $179.2M | $5.2M | 2.90% |
| WASHINGTON TRUST BANK | WA | $1.3B | $33.3M | 2.64% |
| RIVERBANK | WA | $38.5M | $992K | 2.58% |
| PACIFIC CREST SAVINGS BANK | WA | $45.9M | $1.1M | 2.50% |
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