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Distressed Note Industry
Missouri Residential Real Estate
Analyzing residential real estate loan performance across 483 Missouri banks
As of Q2 2025, 483 Missouri banks report residential real estate portfolios totaling $82.8B. Non-performing loans in this category total $405.9M — an average NPL ratio of 0.49% — with $371.9M 30-89 days delinquent, $69.9M 90+ days delinquent, and $336.1M in nonaccrual status. The most distressed lender in this category is STATE BANK OF MISSOURI (MO) with an NPL ratio of 47.88%.
Total Lenders
483
Total Loan Portfolio
$82.8B
Total NPL
$405.9M
Average NPL %
0.49%
Delinquency Breakdown
30-89 Days
$371.9M
90+ Days
$69.9M
Nonaccrual
$336.1M
Charge-offs
$8.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Missouri
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| STATE BANK OF MISSOURI | MO | $236K | $113K | 47.88% |
| BANK OF WESTON | MO | $945K | $448K | 47.41% |
| TRI-COUNTY TRUST COMPANY | MO | $536K | $124K | 23.13% |
| HERITAGE BANK OF THE OZARKS | MO | $2.6M | $142K | 5.53% |
| WEST PLAINS SAVINGS AND LOAN ASSOCIATION | MO | $53.1M | $2.1M | 3.99% |
| WEST PLAINS SAVINGS AND LOAN ASSOCIATION | MO | $53.1M | $2.1M | 3.99% |
| BANK OF GRANDIN | MO | $25.6M | $1.0M | 3.93% |
| BANK OF GRANDIN | MO | $25.6M | $1.0M | 3.93% |
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Residential Real Estate in Other States
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