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Distressed Note Industry
Arkansas Residential Real Estate
Analyzing residential real estate loan performance across 291 Arkansas banks
As of Q3 2025, 291 Arkansas banks report residential real estate portfolios totaling $46.3B. Non-performing loans in this category total $461.7M — an average NPL ratio of 1.00% — with $280.7M 30-89 days delinquent, $12.4M 90+ days delinquent, and $449.2M in nonaccrual status. The most distressed lender in this category is GATEWAY BANK (AR) with an NPL ratio of 12.19%.
Total Lenders
291
Total Loan Portfolio
$46.3B
Total NPL
$461.7M
Average NPL %
1.00%
Delinquency Breakdown
30-89 Days
$280.7M
90+ Days
$12.4M
Nonaccrual
$449.2M
Charge-offs
$16.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Arkansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| GATEWAY BANK | AR | $566K | $69K | 12.19% |
| BANK OF CAVE CITY | AR | $1.1M | $116K | 10.93% |
| RIVERWIND BANK | AR | $3.2M | $318K | 9.79% |
| BANK OF ENGLAND | AR | $31.7M | $3.0M | 9.58% |
| BANK OF ENGLAND | AR | $32.7M | $3.0M | 9.29% |
| MERCHANTS & PLANTERS BANK, THE | AR | $81K | $7K | 8.64% |
| MERCHANTS & PLANTERS BANK, THE | AR | $81K | $7K | 8.64% |
| GATEWAY BANK | AR | $3.5M | $258K | 7.48% |
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Residential Real Estate in Other States
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