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Distressed Note Industry
Indiana Commercial Loans
Analyzing commercial loans loan performance across 332 Indiana banks
As of Q2 2025, 332 Indiana banks report commercial loans portfolios totaling $109.8B. Non-performing loans in this category total $1.2B — an average NPL ratio of 1.10% — with $216.5M 30-89 days delinquent, $38.4M 90+ days delinquent, and $1.2B in nonaccrual status. The most distressed lender in this category is FAIRMOUNT STATE BANK, THE (IN) with an NPL ratio of 15.33%.
Total Lenders
332
Total Loan Portfolio
$109.8B
Total NPL
$1.2B
Average NPL %
1.10%
Delinquency Breakdown
30-89 Days
$216.5M
90+ Days
$38.4M
Nonaccrual
$1.2B
Charge-offs
$157.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Indiana
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FAIRMOUNT STATE BANK, THE | IN | $2.0M | $308K | 15.33% |
| FAIRMOUNT STATE BANK, THE | IN | $2.0M | $308K | 15.33% |
| CENTREBANK | IN | $1.3M | $176K | 13.52% |
| CROSSROADS BANK | IN | $38.4M | $4.7M | 12.27% |
| PEOPLES TRUST AND SAVINGS BANK | IN | $5.8M | $603K | 10.35% |
| DEMOTTE STATE BANK | IN | $15.0M | $982K | 6.54% |
| CROSSROADS BANK | IN | $76.1M | $4.7M | 6.19% |
| DEMOTTE STATE BANK | IN | $17.4M | $982K | 5.65% |
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