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Distressed Note Industry
Missouri Residential Real Estate
Analyzing residential real estate loan performance across 481 Missouri banks
As of Q3 2025, 481 Missouri banks report residential real estate portfolios totaling $83.9B. Non-performing loans in this category total $431.4M — an average NPL ratio of 0.51% — with $371.6M 30-89 days delinquent, $73.1M 90+ days delinquent, and $358.3M in nonaccrual status. The most distressed lender in this category is SECURITY BANK OF PULASKI COUNTY (MO) with an NPL ratio of 24.42%.
Total Lenders
481
Total Loan Portfolio
$83.9B
Total NPL
$431.4M
Average NPL %
0.51%
Delinquency Breakdown
30-89 Days
$371.6M
90+ Days
$73.1M
Nonaccrual
$358.3M
Charge-offs
$12.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Missouri
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SECURITY BANK OF PULASKI COUNTY | MO | $774K | $189K | 24.42% |
| WEST PLAINS SAVINGS AND LOAN ASSOCIATION | MO | $53.6M | $2.8M | 5.26% |
| WEST PLAINS SAVINGS AND LOAN ASSOCIATION | MO | $53.6M | $2.8M | 5.26% |
| BANK OF GRANDIN | MO | $26.4M | $1.1M | 4.08% |
| BANK OF GRANDIN | MO | $26.4M | $1.1M | 4.08% |
| KENNETT TRUST BANK | MO | $45.6M | $1.8M | 3.90% |
| LEGENDS BANK | MO | $4.6M | $176K | 3.86% |
| BELGRADE STATE BANK | MO | $157.7M | $5.8M | 3.66% |
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Residential Real Estate in Other States
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