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Distressed Note Industry
Washington Residential Real Estate
Analyzing residential real estate loan performance across 129 Washington banks
As of Q2 2025, 129 Washington banks report residential real estate portfolios totaling $42.3B. Non-performing loans in this category total $251.2M — an average NPL ratio of 0.59% — with $96.4M 30-89 days delinquent, $20.7M 90+ days delinquent, and $230.5M in nonaccrual status. The most distressed lender in this category is LIBERTY BANK (WA) with an NPL ratio of 22.30%.
Total Lenders
129
Total Loan Portfolio
$42.3B
Total NPL
$251.2M
Average NPL %
0.59%
Delinquency Breakdown
30-89 Days
$96.4M
90+ Days
$20.7M
Nonaccrual
$230.5M
Charge-offs
$12.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Washington
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LIBERTY BANK | WA | $1.1M | $235K | 22.30% |
| PORTAGE BANK | WA | $2.4M | $446K | 18.49% |
| SEATTLE BANK | WA | $250.8M | $31.9M | 12.71% |
| SEATTLE BANK | WA | $326.1M | $31.9M | 9.77% |
| BAKER BOYER NATIONAL BANK | WA | $8.9M | $796K | 8.98% |
| RIVERVIEW BANK | WA | $345K | $29K | 8.41% |
| HERITAGE BANK | WA | $20.9M | $1.0M | 4.78% |
| SAVIBANK | WA | $20.0M | $495K | 2.47% |
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Residential Real Estate in Other States
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