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Distressed Note Industry
North Dakota Commercial & Industrial
Analyzing commercial & industrial loan performance across 122 North Dakota banks
As of Q2 2025, 122 North Dakota banks report commercial & industrial portfolios totaling $14.9B. Non-performing loans in this category total $136.4M — an average NPL ratio of 0.92% — with $72.3M 30-89 days delinquent, $8.8M 90+ days delinquent, and $127.6M in nonaccrual status. The most distressed lender in this category is FIRST STATE BANK OF HARVEY (ND) with an NPL ratio of 9.09%.
Total Lenders
122
Total Loan Portfolio
$14.9B
Total NPL
$136.4M
Average NPL %
0.92%
Delinquency Breakdown
30-89 Days
$72.3M
90+ Days
$8.8M
Nonaccrual
$127.6M
Charge-offs
$17.1M
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 % |
|---|---|---|---|---|
| FIRST STATE BANK OF HARVEY | ND | $2.5M | $226K | 9.09% |
| FIRST STATE BANK OF HARVEY | ND | $2.5M | $226K | 9.09% |
| UNISON BANK | ND | $21.7M | $1.9M | 8.77% |
| UNISON BANK | ND | $21.7M | $1.9M | 8.77% |
| UNION STATE BANK OF HAZEN | ND | $12.8M | $1.0M | 8.05% |
| UNION STATE BANK OF HAZEN | ND | $12.8M | $1.0M | 8.05% |
| GOOSE RIVER BANK, THE | ND | $29.4M | $1.1M | 3.60% |
| GOOSE RIVER BANK, THE | ND | $29.4M | $1.1M | 3.60% |
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