Question 1

Which District of Columbia banks have the most non-performing residential real estate?

Accepted Answer

1. INDUSTRIAL BANK (DC) — 2.95% NPL; 2. INDUSTRIAL BANK (DC) — 2.93% NPL; 3. NATIONAL CAPITAL BANK OF WASHINGTON, THE (DC) — 2.62% NPL; 4. NATIONAL CAPITAL BANK OF WASHINGTON, THE (DC) — 2.34% NPL; 5. CITY FIRST BANK, NATIONAL ASSOCIATION (DC) — 1.88% NPL

Question 2

How large is the residential real estate market for District of Columbia banks?

Accepted Answer

As of Q2 2025, 14 District of Columbia banks report residential real estate portfolios totaling $736.0M. Non-performing loans in this category total $14.8M — an average NPL ratio of 2.01% — with $10.9M 30-89 days delinquent, $852K 90+ days delinquent, and $13.9M in nonaccrual status.

District of Columbia Residential Real Estate

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Residential Real Estate in District of Columbia

Residential Real Estate in Other States

BankProspector

Platform

Company

Legal

Bank Name	State	Portfolio	NPL	NPL %
INDUSTRIAL BANK	DC	$95.0M	$2.8M	2.95%
INDUSTRIAL BANK	DC	$95.7M	$2.8M	2.93%
NATIONAL CAPITAL BANK OF WASHINGTON, THE	DC	$159.0M	$4.2M	2.62%
NATIONAL CAPITAL BANK OF WASHINGTON, THE	DC	$178.3M	$4.2M	2.34%
CITY FIRST BANK, NATIONAL ASSOCIATION	DC	$22.6M	$426K	1.88%
CITY FIRST BANK, NATIONAL ASSOCIATION	DC	$22.6M	$426K	1.88%
INDUSTRIAL BANK	DC	$129K	$2K	1.55%