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Distressed Note Industry
Maine Residential Real Estate
Analyzing residential real estate loan performance across 88 Maine banks
As of Q2 2025, 88 Maine banks report residential real estate portfolios totaling $28.4B. Non-performing loans in this category total $110.3M — an average NPL ratio of 0.39% — with $81.9M 30-89 days delinquent, $2.5M 90+ days delinquent, and $107.8M in nonaccrual status. The most distressed lender in this category is MAINE COMMUNITY BANK (ME) with an NPL ratio of 3.43%.
Total Lenders
88
Total Loan Portfolio
$28.4B
Total NPL
$110.3M
Average NPL %
0.39%
Delinquency Breakdown
30-89 Days
$81.9M
90+ Days
$2.5M
Nonaccrual
$107.8M
Charge-offs
$272K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Maine
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| MAINE COMMUNITY BANK | ME | $17.0M | $585K | 3.43% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH | ME | $2.0M | $60K | 2.94% |
| NORTHEAST BANK | ME | $118.8M | $3.2M | 2.68% |
| NORTHEAST BANK | ME | $119.2M | $3.2M | 2.67% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH | ME | $125.2M | $3.0M | 2.37% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF BATH | ME | $131.0M | $3.0M | 2.31% |
| BAR HARBOR SAVINGS AND LOAN ASSOCIATION | ME | $63.0M | $1.1M | 1.75% |
| BAR HARBOR SAVINGS AND LOAN ASSOCIATION | ME | $67.2M | $1.1M | 1.64% |
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