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Distressed Note Industry
Texas Commercial & Industrial
Analyzing commercial & industrial loan performance across 492 Texas banks
As of Q2 2025, 492 Texas banks report commercial & industrial portfolios totaling $116.7B. Non-performing loans in this category total $992.9M — an average NPL ratio of 0.85% — with $519.6M 30-89 days delinquent, $100.3M 90+ days delinquent, and $892.6M in nonaccrual status. The most distressed lender in this category is XD BANK (TX) with an NPL ratio of 909.18%.
Total Lenders
492
Total Loan Portfolio
$116.7B
Total NPL
$992.9M
Average NPL %
0.85%
Delinquency Breakdown
30-89 Days
$519.6M
90+ Days
$100.3M
Nonaccrual
$892.6M
Charge-offs
$270.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| XD BANK | TX | $4.0M | $36.1M | 909.18% |
| XD BANK | TX | $4.0M | $36.1M | 909.18% |
| DALHART FEDERAL SAVINGS & LOAN ASSOCIATION, SSB | TX | $1.2M | $252K | 20.79% |
| BROADSTREET BANK, SSB | TX | $5.4M | $1.1M | 19.80% |
| POWELL STATE BANK | TX | $4.4M | $681K | 15.55% |
| INTERNATIONAL BANK OF COMMERCE | TX | $394.3M | $51.3M | 13.00% |
| FIRST NATIONAL BANK OF QUITAQUE, THE | TX | $7.4M | $790K | 10.65% |
| FIRST NATIONAL BANK OF QUITAQUE, THE | TX | $7.4M | $790K | 10.65% |
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Commercial & Industrial in Other States
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