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Distressed Note Industry
Massachusetts Residential Real Estate
Analyzing residential real estate loan performance across 368 Massachusetts banks
As of Q3 2025, 368 Massachusetts banks report residential real estate portfolios totaling $134.8B. Non-performing loans in this category total $540.3M — an average NPL ratio of 0.40% — with $316.2M 30-89 days delinquent, $18.7M 90+ days delinquent, and $521.6M in nonaccrual status. The most distressed lender in this category is METHUEN CO-OPERATIVE BANK (MA) with an NPL ratio of 19.44%.
Total Lenders
368
Total Loan Portfolio
$134.8B
Total NPL
$540.3M
Average NPL %
0.40%
Delinquency Breakdown
30-89 Days
$316.2M
90+ Days
$18.7M
Nonaccrual
$521.6M
Charge-offs
$1.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Massachusetts
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| METHUEN CO-OPERATIVE BANK | MA | $1.4M | $269K | 19.44% |
| NEEDHAM BANK | MA | $4.5M | $721K | 15.96% |
| NORTHERN BANK & TRUST COMPANY | MA | $55.3M | $8.3M | 14.97% |
| MUTUALONE BANK | MA | $6.9M | $987K | 14.37% |
| NORTHERN BANK & TRUST COMPANY | MA | $374.4M | $29.4M | 7.86% |
| NORTHERN BANK & TRUST COMPANY | MA | $318.7M | $21.2M | 6.64% |
| BANKPROV | MA | $4.2M | $272K | 6.47% |
| MILLBURY NATIONAL BANK | MA | $1.7M | $110K | 6.45% |
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