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Distressed Note Industry
Massachusetts Residential Real Estate
Analyzing residential real estate loan performance across 376 Massachusetts banks
As of Q2 2025, 376 Massachusetts banks report residential real estate portfolios totaling $133.2B. Non-performing loans in this category total $461.2M — an average NPL ratio of 0.35% — with $330.0M 30-89 days delinquent, $28.3M 90+ days delinquent, and $432.9M in nonaccrual status. The most distressed lender in this category is NEEDHAM BANK (MA) with an NPL ratio of 16.57%.
Total Lenders
376
Total Loan Portfolio
$133.2B
Total NPL
$461.2M
Average NPL %
0.35%
Delinquency Breakdown
30-89 Days
$330.0M
90+ Days
$28.3M
Nonaccrual
$432.9M
Charge-offs
$1.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NEEDHAM BANK | MA | $4.4M | $732K | 16.57% |
| MUTUALONE BANK | MA | $6.6M | $1.0M | 15.17% |
| BANKPROV | MA | $4.1M | $273K | 6.58% |
| MILLBURY NATIONAL BANK | MA | $1.9M | $110K | 5.81% |
| MOUNTAINONE BANK | MA | $21.2M | $810K | 3.83% |
| MUTUALONE BANK | MA | $181.8M | $4.9M | 2.72% |
| MILLBURY NATIONAL BANK | MA | $43.3M | $1.1M | 2.66% |
| WALPOLE CO-OPERATIVE BANK | MA | $12.0M | $304K | 2.54% |
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Residential Real Estate in Other States
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