My Work
Distressed Note Industry
Analyzing commercial loans loan performance across 469 Kansas banks
As of Q2 2025, 469 Kansas banks report commercial loans portfolios totaling $30.1B. Non-performing loans in this category total $246.8M — an average NPL ratio of 0.82% — with $74.4M 30-89 days delinquent, $25.2M 90+ days delinquent, and $221.7M in nonaccrual status. The most distressed lender in this category is WILSON STATE BANK (KS) with an NPL ratio of 100.00%.
Total Lenders
469
Total Loan Portfolio
$30.1B
Total NPL
$246.8M
Average NPL %
0.82%
30-89 Days
$74.4M
90+ Days
$25.2M
Nonaccrual
$221.7M
Charge-offs
$3.8M
Distribution of banks by non-performing loan ratio
| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| WILSON STATE BANK | KS | $43K | $43K | 100.00% |
| WILSON STATE BANK | KS | $43K | $43K | 100.00% |
| MARQUETTE FARMERS STATE BANK OF MARQUETTE KANSAS | KS | $511K | $214K | 41.88% |
| MARQUETTE FARMERS STATE BANK OF MARQUETTE KANSAS | KS | $511K | $214K | 41.88% |
| FIRST NATIONAL BANK AND TRUST | KS | $6.9M | $1.6M | 23.69% |
| FIRST NATIONAL BANK OF HOPE, THE | KS | $1.7M | $310K | 18.70% |
| FIRST NATIONAL BANK OF HOPE, THE | KS | $1.7M | $310K | 18.70% |
| FIRST NATIONAL BANK AND TRUST | KS | $12.5M | $2.3M | 18.32% |
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