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Distressed Note Industry
Commercial & Industrial Trends
Analyzing commercial & industrial loan performance across 500 U.S. banks
As of Q2 2025, 500 U.S. banks report commercial & industrial portfolios totaling $48.9B. Non-performing loans in this category total $262.8M — an average NPL ratio of 0.54% — with $232.4M 30-89 days delinquent, $23.2M 90+ days delinquent, and $239.6M in nonaccrual status. The most distressed lender in this category is CROSS RIVER BANK (NJ) with an NPL ratio of 30.68%.
Total Lenders
500
Total Loan Portfolio
$48.9B
Total NPL
$262.8M
Average NPL %
0.54%
Delinquency Breakdown
30-89 Days
$232.4M
90+ Days
$23.2M
Nonaccrual
$239.6M
Charge-offs
$198.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CROSS RIVER BANK | NJ | $62.1M | $19.1M | 30.68% |
| STATE EXCHANGE BANK, THE | OK | $10.3M | $2.5M | 24.32% |
| FIRST FEDERAL SAVINGS BANK | IL | $4.8M | $1.1M | 22.50% |
| FARMERS STATE BANK, THE | KS | $2.1M | $343K | 16.25% |
| BANK OF EUFAULA | OK | $1.7M | $141K | 8.25% |
| BANK OF VICI | OK | $5.8M | $406K | 7.04% |
| FIRST US BANK | AL | $20.2M | $1.4M | 6.96% |
| IMPACT BANK | KS | $12.6M | $798K | 6.34% |
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Commercial & Industrial by State
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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