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Distressed Note Industry
North Dakota Commercial & Industrial
Analyzing commercial & industrial loan performance across 124 North Dakota banks
As of Q3 2025, 124 North Dakota banks report commercial & industrial portfolios totaling $14.8B. Non-performing loans in this category total $207.9M — an average NPL ratio of 1.41% — with $51.3M 30-89 days delinquent, $12.5M 90+ days delinquent, and $195.3M in nonaccrual status. The most distressed lender in this category is STATE BANK OF LAKOTA (ND) with an NPL ratio of 12.52%.
Total Lenders
124
Total Loan Portfolio
$14.8B
Total NPL
$207.9M
Average NPL %
1.41%
Delinquency Breakdown
30-89 Days
$51.3M
90+ Days
$12.5M
Nonaccrual
$195.3M
Charge-offs
$37.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in North Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| STATE BANK OF LAKOTA | ND | $3.0M | $380K | 12.52% |
| STATE BANK OF LAKOTA | ND | $3.0M | $380K | 12.52% |
| UNISON BANK | ND | $21.9M | $1.9M | 8.61% |
| UNISON BANK | ND | $21.9M | $1.9M | 8.61% |
| FIRST STATE BANK OF HARVEY | ND | $2.4M | $171K | 7.26% |
| FIRST STATE BANK OF HARVEY | ND | $2.4M | $171K | 7.26% |
| UNION STATE BANK OF HAZEN | ND | $13.1M | $873K | 6.66% |
| UNION STATE BANK OF HAZEN | ND | $13.1M | $873K | 6.66% |
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