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Distressed Note Industry
Michigan Consumer Loans
Analyzing consumer loans loan performance across 146 Michigan banks
As of Q2 2025, 146 Michigan banks report consumer loans portfolios totaling $819.7M. Non-performing loans in this category total $1.9M — an average NPL ratio of 0.23% — with $5.9M 30-89 days delinquent, $300K 90+ days delinquent, and $1.6M in nonaccrual status. The most distressed lender in this category is HURON STATE BANK (MI) with an NPL ratio of 3.55%.
Total Lenders
146
Total Loan Portfolio
$819.7M
Total NPL
$1.9M
Average NPL %
0.23%
Delinquency Breakdown
30-89 Days
$5.9M
90+ Days
$300K
Nonaccrual
$1.6M
Charge-offs
$1.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Michigan
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HURON STATE BANK | MI | $1.9M | $66K | 3.55% |
| HURON STATE BANK | MI | $1.9M | $66K | 3.55% |
| GOGEBIC RANGE BANK | MI | $3.9M | $55K | 1.42% |
| GOGEBIC RANGE BANK | MI | $3.9M | $55K | 1.39% |
| CENTURY BANK AND TRUST | MI | $3.8M | $35K | 0.91% |
| CENTURY BANK AND TRUST | MI | $3.8M | $35K | 0.91% |
| WEST SHORE BANK | MI | $6.9M | $48K | 0.69% |
| WEST SHORE BANK | MI | $6.9M | $48K | 0.69% |
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Consumer Loans in Other States
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