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Distressed Note Industry
Utah Commercial & Industrial
Analyzing commercial & industrial loan performance across 68 Utah banks
As of Q3 2025, 68 Utah banks report commercial & industrial portfolios totaling $216.2B. Non-performing loans in this category total $1.8B — an average NPL ratio of 0.82% — with $1.4B 30-89 days delinquent, $622.7M 90+ days delinquent, and $1.1B in nonaccrual status. The most distressed lender in this category is LENDINGCLUB BANK, NATIONAL ASSOCIATION (UT) with an NPL ratio of 14.26%.
Total Lenders
68
Total Loan Portfolio
$216.2B
Total NPL
$1.8B
Average NPL %
0.82%
Delinquency Breakdown
30-89 Days
$1.4B
90+ Days
$622.7M
Nonaccrual
$1.1B
Charge-offs
$2.9B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Utah
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $158.0M | $22.5M | 14.26% |
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $158.0M | $22.5M | 14.26% |
| CAPITAL COMMUNITY BANK | UT | $236.0M | $13.6M | 5.78% |
| CAPITAL COMMUNITY BANK | UT | $236.0M | $13.6M | 5.78% |
| BRIGHTON BANK | UT | $14.5M | $764K | 5.28% |
| BRIGHTON BANK | UT | $14.5M | $764K | 5.28% |
| TRANSPORTATION ALLIANCE BANK, INC. DBA TAB BANK | UT | $769.1M | $39.5M | 5.14% |
| TRANSPORTATION ALLIANCE BANK, INC. DBA TAB BANK | UT | $769.1M | $39.5M | 5.14% |
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