Question 1

Which Indiana banks have the most non-performing residential real estate?

Accepted Answer

1. FIRST FEDERAL SAVINGS BANK OF WASHINGTON (IN) — 16.86% NPL; 2. FIRST BANK OF BERNE (IN) — 13.92% NPL; 3. KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION (IN) — 8.51% NPL; 4. KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION (IN) — 8.51% NPL; 5. UNITED FIDELITY BANK, FSB (IN) — 4.81% NPL

Question 2

How large is the residential real estate market for Indiana banks?

Accepted Answer

As of Q2 2025, 350 Indiana banks report residential real estate portfolios totaling $62.6B. Non-performing loans in this category total $450.9M — an average NPL ratio of 0.72% — with $413.1M 30-89 days delinquent, $27.7M 90+ days delinquent, and $423.2M in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
FIRST FEDERAL SAVINGS BANK OF WASHINGTON	IN	$872K	$147K	16.86%
FIRST BANK OF BERNE	IN	$4.2M	$581K	13.92%
KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION	IN	$2.6M	$225K	8.51%
KENTLAND FEDERAL SAVINGS AND LOAN ASSOCIATION	IN	$2.6M	$225K	8.51%
UNITED FIDELITY BANK, FSB	IN	$1.2M	$58K	4.81%
LAKE CITY BANK	IN	$2.2M	$102K	4.61%
GRANT COUNTY STATE BANK	IN	$4.5M	$151K	3.34%
SPENCER COUNTY BANK	IN	$751K	$25K	3.33%

Indiana Residential Real Estate

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Residential Real Estate in Indiana

Residential Real Estate in Other States

BankProspector

Platform

Company

Legal