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Distressed Note Industry
Iowa Commercial & Industrial
Analyzing commercial & industrial loan performance across 462 Iowa banks
As of Q2 2025, 462 Iowa banks report commercial & industrial portfolios totaling $24.9B. Non-performing loans in this category total $268.8M — an average NPL ratio of 1.08% — with $159.6M 30-89 days delinquent, $48.7M 90+ days delinquent, and $220.1M in nonaccrual status. The most distressed lender in this category is COMMUNITY STATE BANK (IA) with an NPL ratio of 25.17%.
Total Lenders
462
Total Loan Portfolio
$24.9B
Total NPL
$268.8M
Average NPL %
1.08%
Delinquency Breakdown
30-89 Days
$159.6M
90+ Days
$48.7M
Nonaccrual
$220.1M
Charge-offs
$45.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Iowa
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| COMMUNITY STATE BANK | IA | $2.3M | $584K | 25.17% |
| COMMUNITY STATE BANK | IA | $2.3M | $584K | 25.17% |
| SECURITY STATE BANK | IA | $13.4M | $2.4M | 17.95% |
| SECURITY STATE BANK | IA | $13.4M | $2.4M | 17.95% |
| GLENWOOD STATE BANK | IA | $12.2M | $1.7M | 14.07% |
| GLENWOOD STATE BANK | IA | $12.2M | $1.7M | 14.07% |
| HOUGHTON STATE BANK | IA | $17.7M | $1.8M | 9.89% |
| HOUGHTON STATE BANK | IA | $17.7M | $1.8M | 9.89% |
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