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Distressed Note Industry
Oklahoma Commercial & Industrial
Analyzing commercial & industrial loan performance across 346 Oklahoma banks
As of Q3 2025, 346 Oklahoma banks report commercial & industrial portfolios totaling $44.6B. Non-performing loans in this category total $336.1M — an average NPL ratio of 0.75% — with $190.7M 30-89 days delinquent, $39.3M 90+ days delinquent, and $296.8M in nonaccrual status. The most distressed lender in this category is AMERISTATE BANK (OK) with an NPL ratio of 24.28%.
Total Lenders
346
Total Loan Portfolio
$44.6B
Total NPL
$336.1M
Average NPL %
0.75%
Delinquency Breakdown
30-89 Days
$190.7M
90+ Days
$39.3M
Nonaccrual
$296.8M
Charge-offs
$72.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Oklahoma
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| AMERISTATE BANK | OK | $36.7M | $8.9M | 24.28% |
| AMERISTATE BANK | OK | $36.7M | $8.9M | 24.28% |
| ALL AMERICA BANK | OK | $12.5M | $2.4M | 19.11% |
| ALL AMERICA BANK | OK | $12.5M | $2.4M | 19.11% |
| WASHITA VALLEY BANK | OK | $3.9M | $727K | 18.49% |
| WASHITA VALLEY BANK | OK | $3.9M | $727K | 18.49% |
| BANK OF THE WEST, THE | OK | $16.8M | $3.0M | 17.81% |
| BANK OF THE WEST, THE | OK | $16.8M | $3.0M | 17.81% |
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