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Distressed Note Industry
North Carolina Residential Real Estate
Analyzing residential real estate loan performance across 140 North Carolina banks
As of Q2 2025, 140 North Carolina banks report residential real estate portfolios totaling $711.6B. Non-performing loans in this category total $7.0B — an average NPL ratio of 0.99% — with $4.6B 30-89 days delinquent, $1.3B 90+ days delinquent, and $5.7B in nonaccrual status. The most distressed lender in this category is MECHANICS & FARMERS BANK (NC) with an NPL ratio of 11.10%.
Total Lenders
140
Total Loan Portfolio
$711.6B
Total NPL
$7.0B
Average NPL %
0.99%
Delinquency Breakdown
30-89 Days
$4.6B
90+ Days
$1.3B
Nonaccrual
$5.7B
Charge-offs
$58.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in North Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| MECHANICS & FARMERS BANK | NC | $1.2M | $132K | 11.10% |
| HOMETRUST BANK | NC | $3.4M | $252K | 7.36% |
| LIVE OAK BANKING COMPANY | NC | $31.7M | $1.7M | 5.48% |
| MORGANTON SAVINGS BANK, S.S.B. | NC | $2.4M | $91K | 3.72% |
| LIVE OAK BANKING COMPANY | NC | $201.3M | $6.6M | 3.29% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | NC | $1.1B | $35.0M | 3.20% |
| LIVE OAK BANKING COMPANY | NC | $169.6M | $4.9M | 2.88% |
| TRUIST BANK | NC | $238.0M | $6.0M | 2.52% |
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Residential Real Estate in Other States
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