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Distressed Note Industry
Colorado Residential Real Estate
Analyzing residential real estate loan performance across 238 Colorado banks
As of Q2 2025, 238 Colorado banks report residential real estate portfolios totaling $38.7B. Non-performing loans in this category total $90.3M — an average NPL ratio of 0.23% — with $119.4M 30-89 days delinquent, $35.9M 90+ days delinquent, and $54.5M in nonaccrual status. The most distressed lender in this category is COLORADO FEDERAL SAVINGS BANK (CO) with an NPL ratio of 51.65%.
Total Lenders
238
Total Loan Portfolio
$38.7B
Total NPL
$90.3M
Average NPL %
0.23%
Delinquency Breakdown
30-89 Days
$119.4M
90+ Days
$35.9M
Nonaccrual
$54.5M
Charge-offs
$706K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Colorado
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| COLORADO FEDERAL SAVINGS BANK | CO | $182K | $94K | 51.65% |
| COMMUNITY STATE BANK | CO | $124K | $50K | 40.32% |
| ROCKY MOUNTAIN BANK AND TRUST | CO | $1.1M | $360K | 34.22% |
| FIRST NATIONAL BANK OF FLEMING, THE | CO | $1.1M | $203K | 18.17% |
| FIRST NATIONAL BANK OF FLEMING, THE | CO | $1.1M | $203K | 18.17% |
| INTEGRITY BANK & TRUST | CO | $952K | $137K | 14.39% |
| ROCKY MOUNTAIN BANK AND TRUST | CO | $6.5M | $360K | 5.56% |
| STOCKMENS BANK | CO | $8.5M | $455K | 5.34% |
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