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Distressed Note Industry
Wisconsin Commercial Loans
Analyzing commercial loans loan performance across 478 Wisconsin banks
As of Q2 2025, 478 Wisconsin banks report commercial loans portfolios totaling $74.4B. Non-performing loans in this category total $414.3M — an average NPL ratio of 0.56% — with $175.7M 30-89 days delinquent, $38.6M 90+ days delinquent, and $375.6M in nonaccrual status. The most distressed lender in this category is PARK BANK, NATIONAL ASSOCIATION (WI) with an NPL ratio of 25.09%.
Total Lenders
478
Total Loan Portfolio
$74.4B
Total NPL
$414.3M
Average NPL %
0.56%
Delinquency Breakdown
30-89 Days
$175.7M
90+ Days
$38.6M
Nonaccrual
$375.6M
Charge-offs
$37.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Wisconsin
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PARK BANK, NATIONAL ASSOCIATION | WI | $3.7M | $939K | 25.09% |
| PARK BANK, NATIONAL ASSOCIATION | WI | $4.1M | $939K | 22.82% |
| UNITY BANK | WI | $17.2M | $2.7M | 15.77% |
| HEADWATERS STATE BANK | WI | $34.3M | $5.0M | 14.59% |
| HEADWATERS STATE BANK | WI | $34.3M | $5.0M | 14.59% |
| UNITY BANK | WI | $23.2M | $3.4M | 14.44% |
| COULEE BANK | WI | $121.8M | $14.5M | 11.91% |
| WALDO STATE BANK | WI | $8.1M | $614K | 7.55% |
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Commercial Loans in Other States
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