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Distressed Note Industry
Arkansas Residential Real Estate
Analyzing residential real estate loan performance across 290 Arkansas banks
As of Q2 2025, 290 Arkansas banks report residential real estate portfolios totaling $45.5B. Non-performing loans in this category total $446.0M — an average NPL ratio of 0.98% — with $277.7M 30-89 days delinquent, $20.5M 90+ days delinquent, and $425.5M in nonaccrual status. The most distressed lender in this category is EVOLVE BANK & TRUST (AR) with an NPL ratio of 45.45%.
Total Lenders
290
Total Loan Portfolio
$45.5B
Total NPL
$446.0M
Average NPL %
0.98%
Delinquency Breakdown
30-89 Days
$277.7M
90+ Days
$20.5M
Nonaccrual
$425.5M
Charge-offs
$8.7M
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 % |
|---|---|---|---|---|
| EVOLVE BANK & TRUST | AR | $22K | $10K | 45.45% |
| GATEWAY BANK | AR | $640K | $139K | 21.72% |
| BANK OF CAVE CITY | AR | $1.3M | $188K | 14.83% |
| FIRST NATIONAL BANK OF EASTERN ARKANSAS | AR | $5.5M | $519K | 9.45% |
| BANK OF ENGLAND | AR | $32.1M | $2.9M | 9.02% |
| BANK OF ENGLAND | AR | $33.1M | $2.9M | 8.78% |
| MERCHANTS & PLANTERS BANK, THE | AR | $131K | $8K | 6.11% |
| MERCHANTS & PLANTERS BANK, THE | AR | $131K | $8K | 6.11% |
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