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Distressed Note Industry
Texas Consumer Loans
Analyzing consumer loans loan performance across 348 Texas banks
As of Q2 2025, 348 Texas banks report consumer loans portfolios totaling $3.5B. Non-performing loans in this category total $8.2M — an average NPL ratio of 0.23% — with $48.6M 30-89 days delinquent, $2.1M 90+ days delinquent, and $6.0M in nonaccrual status. The most distressed lender in this category is LOVELADY STATE BANK (TX) with an NPL ratio of 91.18%.
Total Lenders
348
Total Loan Portfolio
$3.5B
Total NPL
$8.2M
Average NPL %
0.23%
Delinquency Breakdown
30-89 Days
$48.6M
90+ Days
$2.1M
Nonaccrual
$6.0M
Charge-offs
$18.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LOVELADY STATE BANK | TX | $102K | $93K | 91.18% |
| TRUSTTEXAS BANK, S.S.B. | TX | $365K | $30K | 8.22% |
| FIRST STATE BANK OF TEXAS | TX | $2.9M | $151K | 5.23% |
| NATIONAL BANK & TRUST | TX | $721K | $36K | 4.99% |
| CENDERA BANK, N.A. | TX | $47K | $2K | 4.26% |
| LEGEND BANK, N. A. | TX | $3.1M | $133K | 4.24% |
| LLANO NATIONAL BANK | TX | $948K | $37K | 3.90% |
| HENDERSON FEDERAL SAVINGS BANK | TX | $1.7M | $53K | 3.06% |
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Consumer Loans in Other States
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District of Columbia
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