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Distressed Note Industry
Massachusetts Commercial Loans
Analyzing commercial loans loan performance across 371 Massachusetts banks
As of Q3 2025, 371 Massachusetts banks report commercial loans portfolios totaling $140.8B. Non-performing loans in this category total $1.2B — an average NPL ratio of 0.82% — with $203.6M 30-89 days delinquent, $37.4M 90+ days delinquent, and $1.1B in nonaccrual status. The most distressed lender in this category is STATE STREET BANK AND TRUST COMPANY (MA) with an NPL ratio of 12.71%.
Total Lenders
371
Total Loan Portfolio
$140.8B
Total NPL
$1.2B
Average NPL %
0.82%
Delinquency Breakdown
30-89 Days
$203.6M
90+ Days
$37.4M
Nonaccrual
$1.1B
Charge-offs
$268.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| STATE STREET BANK AND TRUST COMPANY | MA | $1.5B | $191.0M | 12.71% |
| CLINTON SAVINGS BANK | MA | $51.5M | $4.5M | 8.66% |
| NEWBURYPORT FIVE CENTS SAVINGS BANK | MA | $199.2M | $16.6M | 8.33% |
| STATE STREET BANK AND TRUST COMPANY | MA | $2.5B | $191.0M | 7.49% |
| BANKESB | MA | $465.5M | $32.2M | 6.92% |
| NEWBURYPORT FIVE CENTS SAVINGS BANK | MA | $287.0M | $17.6M | 6.12% |
| NORTHERN BANK & TRUST COMPANY | MA | $441.2M | $25.4M | 5.76% |
| MUTUALONE BANK | MA | $138.1M | $7.9M | 5.71% |
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