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Distressed Note Industry
West Virginia Residential Real Estate
Analyzing residential real estate loan performance across 174 West Virginia banks
As of Q2 2025, 174 West Virginia banks report residential real estate portfolios totaling $25.9B. Non-performing loans in this category total $150.2M — an average NPL ratio of 0.58% — with $148.3M 30-89 days delinquent, $24.8M 90+ days delinquent, and $125.4M in nonaccrual status. The most distressed lender in this category is GUARANTY BANK INC. (WV) with an NPL ratio of 24.61%.
Total Lenders
174
Total Loan Portfolio
$25.9B
Total NPL
$150.2M
Average NPL %
0.58%
Delinquency Breakdown
30-89 Days
$148.3M
90+ Days
$24.8M
Nonaccrual
$125.4M
Charge-offs
$3.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in West Virginia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| GUARANTY BANK INC. | WV | $1.9M | $477K | 24.61% |
| FIRST EXCHANGE BANK | WV | $1.2M | $121K | 9.90% |
| CAPON VALLEY BANK | WV | $1.6M | $131K | 8.26% |
| FIRST NATIONAL BANK OF WILLIAMSON, THE | WV | $33.0M | $1.4M | 4.21% |
| FIRST NATIONAL BANK OF WILLIAMSON, THE | WV | $33.7M | $1.4M | 4.12% |
| GUARANTY BANK INC. | WV | $40.3M | $1.3M | 3.26% |
| GUARANTY BANK INC. | WV | $37.6M | $836K | 2.22% |
| GRANT COUNTY BANK, THE | WV | $95.7M | $2.0M | 2.08% |
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