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Distressed Note Industry
Florida Commercial & Industrial
Analyzing commercial & industrial loan performance across 170 Florida banks
As of Q2 2025, 170 Florida banks report commercial & industrial portfolios totaling $64.5B. Non-performing loans in this category total $930.9M — an average NPL ratio of 1.44% — with $225.5M 30-89 days delinquent, $16.3M 90+ days delinquent, and $914.6M in nonaccrual status. The most distressed lender in this category is DLP BANK (FL) with an NPL ratio of 13.26%.
Total Lenders
170
Total Loan Portfolio
$64.5B
Total NPL
$930.9M
Average NPL %
1.44%
Delinquency Breakdown
30-89 Days
$225.5M
90+ Days
$16.3M
Nonaccrual
$914.6M
Charge-offs
$231.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Florida
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| DLP BANK | FL | $16.0M | $2.1M | 13.26% |
| DLP BANK | FL | $16.0M | $2.1M | 13.26% |
| NATBANK, NATIONAL ASSOCIATION | FL | $869K | $103K | 11.85% |
| NATBANK, NATIONAL ASSOCIATION | FL | $869K | $103K | 11.85% |
| FIRST NATIONAL BANK OF WAUCHULA | FL | $3.7M | $206K | 5.54% |
| FIRST NATIONAL BANK OF WAUCHULA | FL | $3.7M | $206K | 5.54% |
| LOCALITY BANK | FL | $30.0M | $1.6M | 5.48% |
| LOCALITY BANK | FL | $30.0M | $1.6M | 5.48% |
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