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Distressed Note Industry
Rhode Island Consumer Loans
Analyzing consumer loans loan performance across 11 Rhode Island banks
As of Q2 2025, 11 Rhode Island banks report consumer loans portfolios totaling $10.2B. Non-performing loans in this category total $114.5M — an average NPL ratio of 1.12% — with $239.6M 30-89 days delinquent, $0 90+ days delinquent, and $114.5M in nonaccrual status. The most distressed lender in this category is SHOREHAM BANK (RI) with an NPL ratio of 1.70%.
Total Lenders
11
Total Loan Portfolio
$10.2B
Total NPL
$114.5M
Average NPL %
1.12%
Delinquency Breakdown
30-89 Days
$239.6M
90+ Days
$0
Nonaccrual
$114.5M
Charge-offs
$184.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Rhode Island
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SHOREHAM BANK | RI | $66.3M | $1.1M | 1.70% |
| SHOREHAM BANK | RI | $66.3M | $1.1M | 1.70% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $1.9B | $24.1M | 1.28% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $5.0B | $56.1M | 1.12% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $3.1B | $32.0M | 1.02% |
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