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Distressed Note Industry
Kentucky Residential Real Estate
Analyzing residential real estate loan performance across 455 Kentucky banks
As of Q3 2025, 455 Kentucky banks report residential real estate portfolios totaling $39.2B. Non-performing loans in this category total $222.2M — an average NPL ratio of 0.57% — with $243.8M 30-89 days delinquent, $39.9M 90+ days delinquent, and $182.3M in nonaccrual status. The most distressed lender in this category is PBK BANK, INC (KY) with an NPL ratio of 84.00%.
Total Lenders
455
Total Loan Portfolio
$39.2B
Total NPL
$222.2M
Average NPL %
0.57%
Delinquency Breakdown
30-89 Days
$243.8M
90+ Days
$39.9M
Nonaccrual
$182.3M
Charge-offs
$6.4M
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 | $25K | $21K | 84.00% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | KY | $430K | $132K | 30.70% |
| CITIZENS BANK AND TRUST OF LEBANON, INC. | KY | $468K | $33K | 7.05% |
| HOME SAVINGS BANK, FSB | KY | $15.3M | $1.0M | 6.84% |
| HOME SAVINGS BANK, FSB | KY | $16.5M | $1.0M | 6.33% |
| CITIZENS DEPOSIT BANK OF ARLINGTON, INC. | KY | $666K | $41K | 6.16% |
| COMMERCIAL BANK | KY | $726K | $43K | 5.92% |
| CITIZENS BANK OF KENTUCKY, INC | KY | $749K | $43K | 5.74% |
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Residential Real Estate in Other States
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