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Distressed Note Industry
Massachusetts Commercial & Industrial
Analyzing commercial & industrial loan performance across 186 Massachusetts banks
As of Q2 2025, 186 Massachusetts banks report commercial & industrial portfolios totaling $37.9B. Non-performing loans in this category total $430.6M — an average NPL ratio of 1.13% — with $61.8M 30-89 days delinquent, $826K 90+ days delinquent, and $429.8M in nonaccrual status. The most distressed lender in this category is ATHOL SAVINGS BANK (MA) with an NPL ratio of 12.20%.
Total Lenders
186
Total Loan Portfolio
$37.9B
Total NPL
$430.6M
Average NPL %
1.13%
Delinquency Breakdown
30-89 Days
$61.8M
90+ Days
$826K
Nonaccrual
$429.8M
Charge-offs
$54.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ATHOL SAVINGS BANK | MA | $28.7M | $3.5M | 12.20% |
| ATHOL SAVINGS BANK | MA | $28.7M | $3.5M | 12.20% |
| WEBSTER FIVE CENTS SAVINGS BANK | MA | $63.1M | $6.6M | 10.44% |
| WEBSTER FIVE CENTS SAVINGS BANK | MA | $63.1M | $6.6M | 10.44% |
| BANKPROV | MA | $406.4M | $34.0M | 8.36% |
| BANKPROV | MA | $406.4M | $34.0M | 8.36% |
| MUTUALONE BANK | MA | $279.4M | $21.8M | 7.80% |
| MUTUALONE BANK | MA | $279.4M | $21.8M | 7.80% |
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