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Distressed Note Industry
Idaho Commercial Loans
Analyzing commercial loans loan performance across 40 Idaho banks
As of Q2 2025, 40 Idaho banks report commercial loans portfolios totaling $5.2B. Non-performing loans in this category total $33.8M — an average NPL ratio of 0.65% — with $2.7M 30-89 days delinquent, $564K 90+ days delinquent, and $33.2M in nonaccrual status. The most distressed lender in this category is NORTHWEST BANK (ID) with an NPL ratio of 13.28%.
Total Lenders
40
Total Loan Portfolio
$5.2B
Total NPL
$33.8M
Average NPL %
0.65%
Delinquency Breakdown
30-89 Days
$2.7M
90+ Days
$564K
Nonaccrual
$33.2M
Charge-offs
$3.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Idaho
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NORTHWEST BANK | ID | $10.7M | $1.4M | 13.28% |
| NORTHWEST BANK | ID | $304.3M | $14.9M | 4.89% |
| NORTHWEST BANK | ID | $430.3M | $16.6M | 3.86% |
| NORTHWEST BANK | ID | $115.3M | $282K | 0.24% |
| FARMERS BANK | ID | $42.2M | $40K | 0.09% |
| FARMERS BANK | ID | $60.3M | $40K | 0.07% |
| D.L. EVANS BANK | ID | $418.8M | $244K | 0.06% |
| D.L. EVANS BANK | ID | $714.5M | $265K | 0.04% |
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