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Distressed Note Industry
Pennsylvania Multifamily Real Estate
Analyzing multifamily real estate loan performance across 108 Pennsylvania banks
As of Q2 2025, 108 Pennsylvania banks report multifamily real estate portfolios totaling $14.5B. Non-performing loans in this category total $94.5M — an average NPL ratio of 0.65% — with $44.0M 30-89 days delinquent, $17.9M 90+ days delinquent, and $76.6M in nonaccrual status. The most distressed lender in this category is SOMERSET TRUST COMPANY (PA) with an NPL ratio of 13.30%.
Total Lenders
108
Total Loan Portfolio
$14.5B
Total NPL
$94.5M
Average NPL %
0.65%
Delinquency Breakdown
30-89 Days
$44.0M
90+ Days
$17.9M
Nonaccrual
$76.6M
Charge-offs
$7.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Multifamily Real Estate in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SOMERSET TRUST COMPANY | PA | $95.8M | $12.7M | 13.30% |
| RELIANCE SAVINGS BANK | PA | $30.4M | $1.3M | 4.24% |
| NORTHWEST BANK | PA | $375.7M | $15.5M | 4.13% |
| ELDERTON STATE BANK | PA | $7.6M | $251K | 3.28% |
| NEXTIER BANK, NA | PA | $342.9M | $10.8M | 3.16% |
| JERSEY SHORE STATE BANK | PA | $100.7M | $3.0M | 2.96% |
| FULTON BANK, NATIONAL ASSOCIATION | PA | $1.6B | $27.9M | 1.74% |
| FIRSTRUST SAVINGS BANK | PA | $106.2M | $1.8M | 1.67% |
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Multifamily Real Estate in Other States
Alabama
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Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
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District of Columbia
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