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Distressed Note Industry
Kentucky Residential Real Estate
Analyzing residential real estate loan performance across 458 Kentucky banks
As of Q2 2025, 458 Kentucky banks report residential real estate portfolios totaling $38.7B. Non-performing loans in this category total $216.3M — an average NPL ratio of 0.56% — with $247.1M 30-89 days delinquent, $37.5M 90+ days delinquent, and $178.8M in nonaccrual status. The most distressed lender in this category is PBK BANK, INC (KY) with an NPL ratio of 85.19%.
Total Lenders
458
Total Loan Portfolio
$38.7B
Total NPL
$216.3M
Average NPL %
0.56%
Delinquency Breakdown
30-89 Days
$247.1M
90+ Days
$37.5M
Nonaccrual
$178.8M
Charge-offs
$3.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Kentucky
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PBK BANK, INC | KY | $27K | $23K | 85.19% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | KY | $439K | $132K | 30.07% |
| COMMERCIAL BANK | KY | $650K | $43K | 6.62% |
| HOME SAVINGS BANK, FSB | KY | $16.2M | $1.0M | 6.22% |
| CITIZENS BANK OF KENTUCKY, INC | KY | $694K | $43K | 6.20% |
| HOME SAVINGS BANK, FSB | KY | $17.4M | $1.0M | 5.77% |
| PBT BANCORP | KY | $4.6M | $240K | 5.17% |
| PLANTERS BANK, INC. | KY | $10.1M | $442K | 4.36% |
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Residential Real Estate in Other States
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