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Distressed Note Industry
District of Columbia Commercial Loans
Analyzing commercial loans loan performance across 16 District of Columbia banks
As of Q2 2025, 16 District of Columbia banks report commercial loans portfolios totaling $2.8B. Non-performing loans in this category total $29.2M — an average NPL ratio of 1.05% — with $19.2M 30-89 days delinquent, $6.2M 90+ days delinquent, and $23.1M in nonaccrual status. The most distressed lender in this category is INDUSTRIAL BANK (DC) with an NPL ratio of 6.67%.
Total Lenders
16
Total Loan Portfolio
$2.8B
Total NPL
$29.2M
Average NPL %
1.05%
Delinquency Breakdown
30-89 Days
$19.2M
90+ Days
$6.2M
Nonaccrual
$23.1M
Charge-offs
$1.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in District of Columbia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| INDUSTRIAL BANK | DC | $108.1M | $7.2M | 6.67% |
| INDUSTRIAL BANK | DC | $69.0M | $4.0M | 5.85% |
| INDUSTRIAL BANK | DC | $209.1M | $11.4M | 5.45% |
| CITY FIRST BANK, NATIONAL ASSOCIATION | DC | $622.2M | $3.2M | 0.52% |
| INDUSTRIAL BANK | DC | $32.0M | $134K | 0.42% |
| CITY FIRST BANK, NATIONAL ASSOCIATION | DC | $785.6M | $3.2M | 0.41% |
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