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Distressed Note Industry
Pennsylvania Residential Real Estate
Analyzing residential real estate loan performance across 450 Pennsylvania banks
As of Q2 2025, 450 Pennsylvania banks report residential real estate portfolios totaling $153.1B. Non-performing loans in this category total $700.0M — an average NPL ratio of 0.46% — with $848.9M 30-89 days delinquent, $91.2M 90+ days delinquent, and $608.9M in nonaccrual status. The most distressed lender in this category is UNITED BANK OF PHILADELPHIA (PA) with an NPL ratio of 14.82%.
Total Lenders
450
Total Loan Portfolio
$153.1B
Total NPL
$700.0M
Average NPL %
0.46%
Delinquency Breakdown
30-89 Days
$848.9M
90+ Days
$91.2M
Nonaccrual
$608.9M
Charge-offs
$15.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| UNITED BANK OF PHILADELPHIA | PA | $1.1M | $169K | 14.82% |
| UNITED BANK OF PHILADELPHIA | PA | $2.3M | $267K | 11.45% |
| ASIAN BANK | PA | $4.7M | $495K | 10.48% |
| UNITED BANK OF PHILADELPHIA | PA | $1.2M | $98K | 8.22% |
| BNY MELLON, NATIONAL ASSOCIATION | PA | $14.0M | $1.0M | 7.14% |
| CITIZENS SAVINGS BANK | PA | $934K | $51K | 5.46% |
| ENTERPRISE BANK | PA | $18.5M | $940K | 5.08% |
| SLOVENIAN SAVINGS & LOAN ASSOCIATION OF FRANKLIN-CONEMAUGH | PA | $1.6M | $81K | 5.05% |
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