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Distressed Note Industry
Iowa Residential Real Estate
Analyzing residential real estate loan performance across 487 Iowa banks
As of Q2 2025, 487 Iowa banks report residential real estate portfolios totaling $36.0B. Non-performing loans in this category total $136.0M — an average NPL ratio of 0.38% — with $182.1M 30-89 days delinquent, $24.2M 90+ days delinquent, and $111.9M in nonaccrual status. The most distressed lender in this category is MONTEZUMA STATE BANK (IA) with an NPL ratio of 21.61%.
Total Lenders
487
Total Loan Portfolio
$36.0B
Total NPL
$136.0M
Average NPL %
0.38%
Delinquency Breakdown
30-89 Days
$182.1M
90+ Days
$24.2M
Nonaccrual
$111.9M
Charge-offs
$4.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Iowa
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| MONTEZUMA STATE BANK | IA | $1.5M | $330K | 21.61% |
| MONTEZUMA STATE BANK | IA | $1.5M | $330K | 21.61% |
| SOLON STATE BANK | IA | $10.3M | $701K | 6.78% |
| CORYDON STATE BANK | IA | $4.9M | $276K | 5.66% |
| CORYDON STATE BANK | IA | $4.9M | $276K | 5.66% |
| SOLON STATE BANK | IA | $12.8M | $701K | 5.47% |
| SECURITY STATE BANK | IA | $3.0M | $153K | 5.14% |
| MAQUOKETA STATE BANK | IA | $17.1M | $681K | 3.98% |
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Residential Real Estate in Other States
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District of Columbia
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