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Distressed Note Industry
Tennessee Commercial Loans
Analyzing commercial loans loan performance across 445 Tennessee banks
As of Q2 2025, 445 Tennessee banks report commercial loans portfolios totaling $118.5B. Non-performing loans in this category total $909.5M — an average NPL ratio of 0.77% — with $260.3M 30-89 days delinquent, $3.1M 90+ days delinquent, and $906.3M in nonaccrual status. The most distressed lender in this category is FOUNDATION BANK (TN) with an NPL ratio of 28.09%.
Total Lenders
445
Total Loan Portfolio
$118.5B
Total NPL
$909.5M
Average NPL %
0.77%
Delinquency Breakdown
30-89 Days
$260.3M
90+ Days
$3.1M
Nonaccrual
$906.3M
Charge-offs
$29.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Tennessee
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FOUNDATION BANK | TN | $2.2M | $614K | 28.09% |
| BANK OF DICKSON | TN | $505K | $117K | 23.17% |
| APEX BANK | TN | $33.2M | $4.6M | 13.93% |
| CITIZENS SAVINGS BANK AND TRUST COMPANY | TN | $12.4M | $1.5M | 11.73% |
| GREENEVILLE FEDERAL BANK, F.S.B. | TN | $24.9M | $2.7M | 11.05% |
| MILLENNIUM BANK | TN | $122.3M | $13.2M | 10.81% |
| UNION BANK | TN | $6.5M | $599K | 9.19% |
| FOUNDATION BANK | TN | $7.5M | $616K | 8.23% |
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