My Work
Distressed Note Industry
Massachusetts Consumer Loans
Analyzing consumer loans loan performance across 138 Massachusetts banks
As of Q2 2025, 138 Massachusetts banks report consumer loans portfolios totaling $1.0B. Non-performing loans in this category total $2.1M — an average NPL ratio of 0.20% — with $11.8M 30-89 days delinquent, $72K 90+ days delinquent, and $2.0M in nonaccrual status. The most distressed lender in this category is ONEUNITED BANK (MA) with an NPL ratio of 6.32%.
Total Lenders
138
Total Loan Portfolio
$1.0B
Total NPL
$2.1M
Average NPL %
0.20%
Delinquency Breakdown
30-89 Days
$11.8M
90+ Days
$72K
Nonaccrual
$2.0M
Charge-offs
$3.9M
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 | $712K | $45K | 6.32% |
| ONEUNITED BANK | MA | $712K | $45K | 6.32% |
| BAYCOAST BANK | MA | $1.7M | $35K | 2.05% |
| MUTUALONE BANK | MA | $27.1M | $547K | 2.02% |
| MUTUALONE BANK | MA | $27.1M | $547K | 2.02% |
| PITTSFIELD CO-OPERATIVE BANK | MA | $3.1M | $39K | 1.24% |
| PITTSFIELD CO-OPERATIVE BANK | MA | $3.1M | $39K | 1.24% |
| SAVERS CO-OPERATIVE BANK | MA | $9.2M | $107K | 1.17% |
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Consumer Loans in Other States
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