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Distressed Note Industry
Illinois Consumer Loans
Analyzing consumer loans loan performance across 308 Illinois banks
As of Q2 2025, 308 Illinois banks report consumer loans portfolios totaling $4.8B. Non-performing loans in this category total $40.3M — an average NPL ratio of 0.83% — with $50.4M 30-89 days delinquent, $18.2M 90+ days delinquent, and $22.1M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK OF WATERLOO (IL) with an NPL ratio of 6.61%.
Total Lenders
308
Total Loan Portfolio
$4.8B
Total NPL
$40.3M
Average NPL %
0.83%
Delinquency Breakdown
30-89 Days
$50.4M
90+ Days
$18.2M
Nonaccrual
$22.1M
Charge-offs
$109.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Illinois
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF WATERLOO | IL | $1.4M | $92K | 6.61% |
| MARSEILLES BANK | IL | $2.7M | $162K | 6.06% |
| STATE BANK OF NAUVOO | IL | $1.3M | $65K | 5.10% |
| FARMERS STATE BANK OF WESTERN ILLINOIS | IL | $1.1M | $54K | 5.04% |
| WASHINGTON STATE BANK | IL | $2.2M | $106K | 4.91% |
| FIRST BANK AND TRUST COMPANY OF MURPHYSBORO, THE | IL | $3.8M | $170K | 4.42% |
| BANK OF STRONGHURST | IL | $590K | $25K | 4.24% |
| CENTRAL STATE BANK | IL | $9.0M | $372K | 4.13% |
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