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Distressed Note Industry
Pennsylvania Commercial & Industrial
Analyzing commercial & industrial loan performance across 208 Pennsylvania banks
As of Q3 2025, 208 Pennsylvania banks report commercial & industrial portfolios totaling $61.4B. Non-performing loans in this category total $554.2M — an average NPL ratio of 0.90% — with $217.1M 30-89 days delinquent, $34.7M 90+ days delinquent, and $519.6M in nonaccrual status. The most distressed lender in this category is TIOGA-FRANKLIN SAVINGS BANK (PA) with an NPL ratio of 20.54%.
Total Lenders
208
Total Loan Portfolio
$61.4B
Total NPL
$554.2M
Average NPL %
0.90%
Delinquency Breakdown
30-89 Days
$217.1M
90+ Days
$34.7M
Nonaccrual
$519.6M
Charge-offs
$230.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| TIOGA-FRANKLIN SAVINGS BANK | PA | $10.9M | $2.2M | 20.54% |
| TIOGA-FRANKLIN SAVINGS BANK | PA | $10.9M | $2.2M | 20.54% |
| UNITED BANK OF PHILADELPHIA | PA | $7.3M | $996K | 13.74% |
| UNITED BANK OF PHILADELPHIA | PA | $7.3M | $996K | 13.74% |
| PHOENIXVILLE FEDERAL BANK AND TRUST | PA | $13.5M | $1.6M | 11.56% |
| PHOENIXVILLE FEDERAL BANK AND TRUST | PA | $13.5M | $1.6M | 11.56% |
| SSB BANK | PA | $45.4M | $3.8M | 8.46% |
| SSB BANK | PA | $45.4M | $3.8M | 8.46% |
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