My Work
Distressed Note Industry
California Consumer Loans
Analyzing consumer loans loan performance across 119 California banks
As of Q2 2025, 119 California banks report consumer loans portfolios totaling $6.4B. Non-performing loans in this category total $40.9M — an average NPL ratio of 0.64% — with $172.5M 30-89 days delinquent, $1.2M 90+ days delinquent, and $39.7M in nonaccrual status. The most distressed lender in this category is CITY NATIONAL BANK (CA) with an NPL ratio of 9.09%.
Total Lenders
119
Total Loan Portfolio
$6.4B
Total NPL
$40.9M
Average NPL %
0.64%
Delinquency Breakdown
30-89 Days
$172.5M
90+ Days
$1.2M
Nonaccrual
$39.7M
Charge-offs
$85.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in California
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CITY NATIONAL BANK | CA | $88K | $8K | 9.09% |
| BENEFICIAL STATE BANK | CA | $1.6M | $148K | 9.03% |
| BANK OF HOPE | CA | $2.9M | $71K | 2.44% |
| BANK OF HOPE | CA | $2.9M | $71K | 2.44% |
| EAST WEST BANK | CA | $4.2M | $87K | 2.09% |
| EAST WEST BANK | CA | $4.2M | $87K | 2.09% |
| PLUMAS BANK | CA | $52.9M | $790K | 1.49% |
| PLUMAS BANK | CA | $52.9M | $790K | 1.49% |
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Consumer Loans in Other States
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