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Distressed Note Industry
Maryland Consumer Loans
Analyzing consumer loans loan performance across 46 Maryland banks
As of Q2 2025, 46 Maryland banks report consumer loans portfolios totaling $809.9M. Non-performing loans in this category total $4.3M — an average NPL ratio of 0.53% — with $33.5M 30-89 days delinquent, $3.5M 90+ days delinquent, and $832K in nonaccrual status. The most distressed lender in this category is SHORE UNITED BANK, NATIONAL ASSOCIATION (MD) with an NPL ratio of 5.62%.
Total Lenders
46
Total Loan Portfolio
$809.9M
Total NPL
$4.3M
Average NPL %
0.53%
Delinquency Breakdown
30-89 Days
$33.5M
90+ Days
$3.5M
Nonaccrual
$832K
Charge-offs
$10.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SHORE UNITED BANK, NATIONAL ASSOCIATION | MD | $3.1M | $172K | 5.62% |
| HARBOR BANK OF MARYLAND, THE | MD | $458K | $9K | 1.97% |
| HARBOR BANK OF MARYLAND, THE | MD | $592K | $9K | 1.52% |
| CAPITAL BANK, NATIONAL ASSOCIATION | MD | $126.2M | $1.5M | 1.22% |
| CAPITAL BANK, NATIONAL ASSOCIATION | MD | $126.3M | $1.5M | 1.22% |
| PRESIDENTIAL BANK, FSB | MD | $36.5M | $142K | 0.39% |
| PRESIDENTIAL BANK, FSB | MD | $36.5M | $142K | 0.39% |
| FIRST UNITED BANK & TRUST | MD | $17.1M | $51K | 0.30% |
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