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Distressed Note Industry
West Virginia Commercial & Industrial
Analyzing commercial & industrial loan performance across 84 West Virginia banks
As of Q2 2025, 84 West Virginia banks report commercial & industrial portfolios totaling $7.5B. Non-performing loans in this category total $48.1M — an average NPL ratio of 0.64% — with $30.4M 30-89 days delinquent, $3.3M 90+ days delinquent, and $44.8M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK OF PETERSTOWN, THE (WV) with an NPL ratio of 5.11%.
Total Lenders
84
Total Loan Portfolio
$7.5B
Total NPL
$48.1M
Average NPL %
0.64%
Delinquency Breakdown
30-89 Days
$30.4M
90+ Days
$3.3M
Nonaccrual
$44.8M
Charge-offs
$11.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in West Virginia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF PETERSTOWN, THE | WV | $2.3M | $116K | 5.11% |
| FIRST NATIONAL BANK OF PETERSTOWN, THE | WV | $2.3M | $116K | 5.11% |
| CAPON VALLEY BANK | WV | $2.8M | $123K | 4.41% |
| CAPON VALLEY BANK | WV | $2.8M | $123K | 4.41% |
| FIRST EXCHANGE BANK | WV | $19.3M | $491K | 2.55% |
| FIRST EXCHANGE BANK | WV | $19.3M | $491K | 2.55% |
| PENDLETON COMMUNITY BANK, INC. | WV | $32.9M | $577K | 1.75% |
| PENDLETON COMMUNITY BANK, INC. | WV | $32.9M | $577K | 1.75% |
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