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Distressed Note Industry
Texas Residential Real Estate
Analyzing residential real estate loan performance across 490 Texas banks
As of Q2 2025, 490 Texas banks report residential real estate portfolios totaling $149.1B. Non-performing loans in this category total $886.2M — an average NPL ratio of 0.59% — with $831.0M 30-89 days delinquent, $247.1M 90+ days delinquent, and $639.1M in nonaccrual status. The most distressed lender in this category is ATASCOSA BANK (TX) with an NPL ratio of 15.19%.
Total Lenders
490
Total Loan Portfolio
$149.1B
Total NPL
$886.2M
Average NPL %
0.59%
Delinquency Breakdown
30-89 Days
$831.0M
90+ Days
$247.1M
Nonaccrual
$639.1M
Charge-offs
$7.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ATASCOSA BANK | TX | $4.5M | $689K | 15.19% |
| CITIZENS STATE BANK OF LULING | TX | $6.5M | $513K | 7.88% |
| CITIZENS STATE BANK OF LULING | TX | $8.0M | $610K | 7.62% |
| UNITY NATIONAL BANK OF HOUSTON | TX | $8.6M | $636K | 7.43% |
| MASON BANK | TX | $13.2M | $941K | 7.13% |
| COMMERCIAL STATE BANK | TX | $8.0M | $496K | 6.21% |
| YOAKUM NATIONAL BANK, THE | TX | $45.3M | $2.6M | 5.76% |
| YOAKUM NATIONAL BANK, THE | TX | $47.1M | $2.6M | 5.54% |
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Residential Real Estate in Other States
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District of Columbia
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