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Distressed Note Industry
Maryland Commercial & Industrial
Analyzing commercial & industrial loan performance across 52 Maryland banks
As of Q2 2025, 52 Maryland banks report commercial & industrial portfolios totaling $8.5B. Non-performing loans in this category total $65.5M — an average NPL ratio of 0.77% — with $68.4M 30-89 days delinquent, $600K 90+ days delinquent, and $64.9M in nonaccrual status. The most distressed lender in this category is PRESIDENTIAL BANK, FSB (MD) with an NPL ratio of 10.26%.
Total Lenders
52
Total Loan Portfolio
$8.5B
Total NPL
$65.5M
Average NPL %
0.77%
Delinquency Breakdown
30-89 Days
$68.4M
90+ Days
$600K
Nonaccrual
$64.9M
Charge-offs
$26.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PRESIDENTIAL BANK, FSB | MD | $32.4M | $3.3M | 10.26% |
| PRESIDENTIAL BANK, FSB | MD | $32.4M | $3.3M | 10.26% |
| BAYVANGUARD BANK | MD | $14.4M | $1.0M | 7.18% |
| BAYVANGUARD BANK | MD | $14.4M | $1.0M | 7.18% |
| QUEENSTOWN BANK OF MARYLAND | MD | $11.7M | $518K | 4.43% |
| QUEENSTOWN BANK OF MARYLAND | MD | $11.7M | $518K | 4.43% |
| HARBOR BANK OF MARYLAND, THE | MD | $21.4M | $782K | 3.65% |
| HARBOR BANK OF MARYLAND, THE | MD | $21.4M | $782K | 3.65% |
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