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Distressed Note Industry
Arizona Commercial Loans
Analyzing commercial loans loan performance across 46 Arizona banks
As of Q2 2025, 46 Arizona banks report commercial loans portfolios totaling $26.3B. Non-performing loans in this category total $374.8M — an average NPL ratio of 1.42% — with $181.1M 30-89 days delinquent, $0 90+ days delinquent, and $374.8M in nonaccrual status. The most distressed lender in this category is WEST VALLEY NATIONAL BANK (AZ) with an NPL ratio of 3.84%.
Total Lenders
46
Total Loan Portfolio
$26.3B
Total NPL
$374.8M
Average NPL %
1.42%
Delinquency Breakdown
30-89 Days
$181.1M
90+ Days
$0
Nonaccrual
$374.8M
Charge-offs
$64.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Arizona
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| WEST VALLEY NATIONAL BANK | AZ | $22.6M | $868K | 3.84% |
| WEST VALLEY NATIONAL BANK | AZ | $41.2M | $868K | 2.10% |
| WESTERN ALLIANCE BANK | AZ | $9.5B | $181.4M | 1.91% |
| INTEGRO BANK | AZ | $41.0M | $747K | 1.82% |
| WESTERN ALLIANCE BANK | AZ | $11.8B | $184.3M | 1.57% |
| INTEGRO BANK | AZ | $55.1M | $747K | 1.36% |
| SOUTHWEST HERITAGE BANK | AZ | $55.7M | $612K | 1.10% |
| 1ST BANK YUMA | AZ | $100.8M | $700K | 0.69% |
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