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Distressed Note Industry
Kansas Commercial & Industrial
Analyzing commercial & industrial loan performance across 384 Kansas banks
As of Q2 2025, 384 Kansas banks report commercial & industrial portfolios totaling $15.5B. Non-performing loans in this category total $209.9M — an average NPL ratio of 1.36% — with $148.3M 30-89 days delinquent, $9.1M 90+ days delinquent, and $200.8M in nonaccrual status. The most distressed lender in this category is BAXTER STATE BANK, THE (KS) with an NPL ratio of 20.00%.
Total Lenders
384
Total Loan Portfolio
$15.5B
Total NPL
$209.9M
Average NPL %
1.36%
Delinquency Breakdown
30-89 Days
$148.3M
90+ Days
$9.1M
Nonaccrual
$200.8M
Charge-offs
$21.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Kansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BAXTER STATE BANK, THE | KS | $910K | $182K | 20.00% |
| BAXTER STATE BANK, THE | KS | $910K | $182K | 20.00% |
| FARMERS STATE BANK, THE | KS | $2.1M | $343K | 16.25% |
| FARMERS STATE BANK, THE | KS | $2.1M | $343K | 16.25% |
| NINNESCAH VALLEY BANK | KS | $2.4M | $362K | 15.06% |
| NINNESCAH VALLEY BANK | KS | $2.4M | $362K | 15.06% |
| WALTON STATE BANK, THE | KS | $845K | $105K | 12.43% |
| WALTON STATE BANK, THE | KS | $845K | $105K | 12.43% |
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