My Work
Distressed Note Industry
Oregon Commercial Loans
Analyzing commercial loans loan performance across 56 Oregon banks
As of Q2 2025, 56 Oregon banks report commercial loans portfolios totaling $40.0B. Non-performing loans in this category total $91.1M — an average NPL ratio of 0.23% — with $59.4M 30-89 days delinquent, $722K 90+ days delinquent, and $90.4M in nonaccrual status. The most distressed lender in this category is PACIFIC WEST BANK (OR) with an NPL ratio of 10.48%.
Total Lenders
56
Total Loan Portfolio
$40.0B
Total NPL
$91.1M
Average NPL %
0.23%
Delinquency Breakdown
30-89 Days
$59.4M
90+ Days
$722K
Nonaccrual
$90.4M
Charge-offs
$2.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Oregon
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PACIFIC WEST BANK | OR | $72.5M | $7.6M | 10.48% |
| PACIFIC WEST BANK | OR | $173.1M | $7.6M | 4.39% |
| OREGON COAST BANK | OR | $16.0M | $601K | 3.75% |
| BANK OF EASTERN OREGON | OR | $63.5M | $1.3M | 2.05% |
| LEWIS & CLARK BANK | OR | $35.5M | $675K | 1.90% |
| EVERGREEN FEDERAL BANK | OR | $131.0M | $2.3M | 1.76% |
| WILLAMETTE VALLEY BANK | OR | $45.6M | $678K | 1.49% |
| BANK OF EASTERN OREGON | OR | $119.6M | $1.3M | 1.09% |
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Commercial Loans in Other States
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