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Distressed Note Industry
Maryland Residential Real Estate
Analyzing residential real estate loan performance across 114 Maryland banks
As of Q2 2025, 114 Maryland banks report residential real estate portfolios totaling $13.2B. Non-performing loans in this category total $120.5M — an average NPL ratio of 0.91% — with $51.0M 30-89 days delinquent, $11.3M 90+ days delinquent, and $109.2M in nonaccrual status. The most distressed lender in this category is EASTERN SAVINGS BANK FEDERAL SAVINGS BANK (MD) with an NPL ratio of 27.41%.
Total Lenders
114
Total Loan Portfolio
$13.2B
Total NPL
$120.5M
Average NPL %
0.91%
Delinquency Breakdown
30-89 Days
$51.0M
90+ Days
$11.3M
Nonaccrual
$109.2M
Charge-offs
$166K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| EASTERN SAVINGS BANK FEDERAL SAVINGS BANK | MD | $3.6M | $977K | 27.41% |
| EASTERN SAVINGS BANK FEDERAL SAVINGS BANK | MD | $105.5M | $12.3M | 11.65% |
| EASTERN SAVINGS BANK FEDERAL SAVINGS BANK | MD | $101.9M | $11.3M | 11.09% |
| BAYVANGUARD BANK | MD | $1.7M | $110K | 6.43% |
| EAGLEBANK | MD | $193.9M | $12.2M | 6.27% |
| ARUNDEL FEDERAL SAVINGS BANK | MD | $11.1M | $684K | 6.18% |
| EAGLEBANK | MD | $267.8M | $14.2M | 5.30% |
| SHORE UNITED BANK, NATIONAL ASSOCIATION | MD | $16.0M | $763K | 4.78% |
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