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Distressed Note Industry
Oklahoma Residential Real Estate
Analyzing residential real estate loan performance across 454 Oklahoma banks
As of Q2 2025, 454 Oklahoma banks report residential real estate portfolios totaling $83.6B. Non-performing loans in this category total $9.0B — an average NPL ratio of 10.77% — with $4.4B 30-89 days delinquent, $8.6B 90+ days delinquent, and $363.5M in nonaccrual status. The most distressed lender in this category is PAULS VALLEY NATIONAL BANK, THE (OK) with an NPL ratio of 96.46%.
Total Lenders
454
Total Loan Portfolio
$83.6B
Total NPL
$9.0B
Average NPL %
10.77%
Delinquency Breakdown
30-89 Days
$4.4B
90+ Days
$8.6B
Nonaccrual
$363.5M
Charge-offs
$3.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Oklahoma
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PAULS VALLEY NATIONAL BANK, THE | OK | $819K | $790K | 96.46% |
| FIRST BANK OF THOMAS | OK | $144K | $69K | 47.92% |
| SOUTHWEST BANK OF WEATHERFORD | OK | $282K | $69K | 24.47% |
| MIDFIRST BANK | OK | $20.8B | $4.2B | 20.03% |
| MIDFIRST BANK | OK | $21.3B | $4.2B | 19.58% |
| TRIAD BANK, NATIONAL ASSOCIATION | OK | $41.6M | $6.8M | 16.26% |
| BANK OF THE WEST, THE | OK | $4.6M | $708K | 15.54% |
| BANK OF THE WEST, THE | OK | $4.6M | $708K | 15.54% |
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