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Distressed Note Industry
New York Commercial & Industrial
Analyzing commercial & industrial loan performance across 206 New York banks
As of Q2 2025, 206 New York banks report commercial & industrial portfolios totaling $167.7B. Non-performing loans in this category total $3.1B — an average NPL ratio of 1.87% — with $497.7M 30-89 days delinquent, $31.8M 90+ days delinquent, and $3.1B in nonaccrual status. The most distressed lender in this category is PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE (NY) with an NPL ratio of 74.35%.
Total Lenders
206
Total Loan Portfolio
$167.7B
Total NPL
$3.1B
Average NPL %
1.87%
Delinquency Breakdown
30-89 Days
$497.7M
90+ Days
$31.8M
Nonaccrual
$3.1B
Charge-offs
$667.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in New York
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE | NY | $230K | $171K | 74.35% |
| PUTNAM COUNTY NATIONAL BANK OF CARMEL, THE | NY | $230K | $171K | 74.35% |
| QUONTIC BANK | NY | $1.2M | $366K | 31.72% |
| QUONTIC BANK | NY | $1.2M | $366K | 31.72% |
| AMERASIA BANK | NY | $8.5M | $995K | 11.64% |
| AMERASIA BANK | NY | $8.5M | $995K | 11.64% |
| MODERN BANK, NATIONAL ASSOCIATION | NY | $245.9M | $28.2M | 11.48% |
| MODERN BANK, NATIONAL ASSOCIATION | NY | $245.9M | $28.2M | 11.48% |
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