My Work
Distressed Note Industry
Analyzing consumer loans loan performance across 22 Oregon banks
As of Q2 2025, 22 Oregon banks report consumer loans portfolios totaling $86.0M. Non-performing loans in this category total $48K — an average NPL ratio of 0.06% — with $254K 30-89 days delinquent, $12K 90+ days delinquent, and $36K in nonaccrual status. The most distressed lender in this category is OREGON COAST BANK (OR) with an NPL ratio of 2.25%.
Total Lenders
22
Total Loan Portfolio
$86.0M
Total NPL
$48K
Average NPL %
0.06%
30-89 Days
$254K
90+ Days
$12K
Nonaccrual
$36K
Charge-offs
$112K
Distribution of banks by non-performing loan ratio
| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| OREGON COAST BANK | OR | $799K | $18K | 2.25% |
| OREGON COAST BANK | OR | $799K | $18K | 2.25% |
| UMPQUA BANK | OR | $17.2M | $6K | 0.03% |
| UMPQUA BANK | OR | $17.2M | $6K | 0.03% |
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