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Distressed Note Industry
Arizona Residential Real Estate
Analyzing residential real estate loan performance across 47 Arizona banks
As of Q2 2025, 47 Arizona banks report residential real estate portfolios totaling $41.2B. Non-performing loans in this category total $1.8B — an average NPL ratio of 4.26% — with $583.0M 30-89 days delinquent, $1.4B 90+ days delinquent, and $333.0M in nonaccrual status. The most distressed lender in this category is USAA FEDERAL SAVINGS BANK (AZ) with an NPL ratio of 7.54%.
Total Lenders
47
Total Loan Portfolio
$41.2B
Total NPL
$1.8B
Average NPL %
4.26%
Delinquency Breakdown
30-89 Days
$583.0M
90+ Days
$1.4B
Nonaccrual
$333.0M
Charge-offs
$18.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Arizona
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| USAA FEDERAL SAVINGS BANK | AZ | $1.8B | $133.0M | 7.54% |
| USAA FEDERAL SAVINGS BANK | AZ | $2.3B | $146.0M | 6.46% |
| WESTERN ALLIANCE BANK | AZ | $16.8B | $725.7M | 4.32% |
| WESTERN ALLIANCE BANK | AZ | $17.9B | $726.8M | 4.07% |
| USAA FEDERAL SAVINGS BANK | AZ | $487.0M | $13.0M | 2.67% |
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $8.9M | $197K | 2.21% |
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $261.8M | $5.3M | 2.02% |
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $252.3M | $5.1M | 2.01% |
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