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Distressed Note Industry
West Virginia Commercial Loans
Analyzing commercial loans loan performance across 166 West Virginia banks
As of Q2 2025, 166 West Virginia banks report commercial loans portfolios totaling $26.9B. Non-performing loans in this category total $155.0M — an average NPL ratio of 0.58% — with $53.2M 30-89 days delinquent, $56.6M 90+ days delinquent, and $98.3M in nonaccrual status. The most distressed lender in this category is FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION (WV) with an NPL ratio of 22.22%.
Total Lenders
166
Total Loan Portfolio
$26.9B
Total NPL
$155.0M
Average NPL %
0.58%
Delinquency Breakdown
30-89 Days
$53.2M
90+ Days
$56.6M
Nonaccrual
$98.3M
Charge-offs
$3.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in West Virginia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | WV | $288K | $64K | 22.22% |
| HANCOCK COUNTY SAVINGS BANK, F.S.B. | WV | $2.9M | $516K | 17.89% |
| FIRST EXCHANGE BANK | WV | $17.1M | $2.5M | 14.92% |
| HANCOCK COUNTY SAVINGS BANK, F.S.B. | WV | $7.6M | $516K | 6.81% |
| FIRST EXCHANGE BANK | WV | $87.8M | $3.8M | 4.33% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | WV | $1.9M | $64K | 3.42% |
| FIRST EXCHANGE BANK | WV | $32.4M | $1.1M | 3.39% |
| CITY NATIONAL BANK OF WEST VIRGINIA | WV | $218.7M | $6.4M | 2.91% |
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