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Distressed Note Industry
Kansas Residential Real Estate
Analyzing residential real estate loan performance across 465 Kansas banks
As of Q3 2025, 465 Kansas banks report residential real estate portfolios totaling $34.9B. Non-performing loans in this category total $143.4M — an average NPL ratio of 0.41% — with $164.2M 30-89 days delinquent, $24.9M 90+ days delinquent, and $118.5M in nonaccrual status. The most distressed lender in this category is FARMERS STATE BANK OF OAKLEY, KANSAS, THE (KS) with an NPL ratio of 38.56%.
Total Lenders
465
Total Loan Portfolio
$34.9B
Total NPL
$143.4M
Average NPL %
0.41%
Delinquency Breakdown
30-89 Days
$164.2M
90+ Days
$24.9M
Nonaccrual
$118.5M
Charge-offs
$3.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Kansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FARMERS STATE BANK OF OAKLEY, KANSAS, THE | KS | $4.0M | $1.5M | 38.56% |
| FARMERS STATE BANK OF OAKLEY, KANSAS, THE | KS | $4.2M | $1.5M | 36.79% |
| CITIZENS STATE BANK, THE | KS | $689K | $195K | 28.30% |
| SMALL BUSINESS BANK | KS | $1.9M | $292K | 15.77% |
| PATRIOTS BANK | KS | $1.3M | $169K | 13.46% |
| SMALL BUSINESS BANK | KS | $1.7M | $205K | 11.86% |
| FIDELITY STATE BANK AND TRUST COMPANY, THE | KS | $1.0M | $84K | 8.37% |
| OUTDOOR BANK | KS | $1.6M | $133K | 8.17% |
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Residential Real Estate in Other States
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