My Work
Distressed Note Industry
Massachusetts Consumer Loans
Analyzing consumer loans loan performance across 134 Massachusetts banks
As of Q3 2025, 134 Massachusetts banks report consumer loans portfolios totaling $1.0B. Non-performing loans in this category total $1.0M — an average NPL ratio of 0.10% — with $9.8M 30-89 days delinquent, $78K 90+ days delinquent, and $940K in nonaccrual status. The most distressed lender in this category is ONEUNITED BANK (MA) with an NPL ratio of 7.68%.
Total Lenders
134
Total Loan Portfolio
$1.0B
Total NPL
$1.0M
Average NPL %
0.10%
Delinquency Breakdown
30-89 Days
$9.8M
90+ Days
$78K
Nonaccrual
$940K
Charge-offs
$6.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ONEUNITED BANK | MA | $690K | $53K | 7.68% |
| ONEUNITED BANK | MA | $690K | $53K | 7.68% |
| BAYCOAST BANK | MA | $1.9M | $71K | 3.78% |
| SOUTH SHORE BANK | MA | $1.4M | $33K | 2.44% |
| BAYCOAST BANK | MA | $3.3M | $71K | 2.15% |
| SOUTH SHORE BANK | MA | $1.9M | $33K | 1.73% |
| PITTSFIELD CO-OPERATIVE BANK | MA | $2.9M | $36K | 1.23% |
| PITTSFIELD CO-OPERATIVE BANK | MA | $2.9M | $36K | 1.23% |
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Consumer Loans in Other States
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District of Columbia
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