My Work
Distressed Note Industry
Ohio Commercial Loans
Analyzing commercial loans loan performance across 456 Ohio banks
As of Q2 2025, 456 Ohio banks report commercial loans portfolios totaling $394.0B. Non-performing loans in this category total $5.1B — an average NPL ratio of 1.29% — with $637.0M 30-89 days delinquent, $399.4M 90+ days delinquent, and $4.7B in nonaccrual status. The most distressed lender in this category is FIRST FEDERAL BANK OF OHIO (OH) with an NPL ratio of 11.23%.
Total Lenders
456
Total Loan Portfolio
$394.0B
Total NPL
$5.1B
Average NPL %
1.29%
Delinquency Breakdown
30-89 Days
$637.0M
90+ Days
$399.4M
Nonaccrual
$4.7B
Charge-offs
$568.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Ohio
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST FEDERAL BANK OF OHIO | OH | $9.8M | $1.1M | 11.23% |
| FIRST FEDERAL BANK OF OHIO | OH | $13.3M | $1.1M | 8.31% |
| FIRST NATIONAL BANK OF GERMANTOWN, THE | OH | $2.4M | $182K | 7.74% |
| HOMETOWN BANK | OH | $33.0M | $2.4M | 7.38% |
| GREENVILLE FEDERAL | OH | $12.8M | $885K | 6.93% |
| PEOPLES SAVINGS AND LOAN COMPANY, THE | OH | $1.3M | $85K | 6.35% |
| SHERWOOD STATE BANK, THE | OH | $6.3M | $385K | 6.11% |
| NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE | OH | $2.3M | $140K | 5.99% |
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