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Distressed Note Industry
Maryland Commercial Loans
Analyzing commercial loans loan performance across 114 Maryland banks
As of Q2 2025, 114 Maryland banks report commercial loans portfolios totaling $33.2B. Non-performing loans in this category total $765.2M — an average NPL ratio of 2.30% — with $322.0M 30-89 days delinquent, $45.9M 90+ days delinquent, and $719.4M in nonaccrual status. The most distressed lender in this category is CFG BANK (MD) with an NPL ratio of 27.58%.
Total Lenders
114
Total Loan Portfolio
$33.2B
Total NPL
$765.2M
Average NPL %
2.30%
Delinquency Breakdown
30-89 Days
$322.0M
90+ Days
$45.9M
Nonaccrual
$719.4M
Charge-offs
$164.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CFG BANK | MD | $548.0M | $151.1M | 27.58% |
| CFG BANK | MD | $2.6B | $162.7M | 6.37% |
| EAGLEBANK | MD | $2.2B | $130.9M | 5.87% |
| EAGLEBANK | MD | $4.4B | $162.2M | 3.69% |
| HARBOR BANK OF MARYLAND, THE | MD | $80.3M | $2.9M | 3.61% |
| ROSEDALE FEDERAL SAVINGS AND LOAN ASSOCIATION | MD | $44.8M | $1.6M | 3.47% |
| HARFORD BANK | MD | $117.8M | $3.7M | 3.16% |
| HARBOR BANK OF MARYLAND, THE | MD | $145.5M | $3.9M | 2.66% |
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