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Distressed Note Industry
North Dakota Residential Real Estate
Analyzing residential real estate loan performance across 188 North Dakota banks
As of Q2 2025, 188 North Dakota banks report residential real estate portfolios totaling $21.1B. Non-performing loans in this category total $188.7M — an average NPL ratio of 0.89% — with $113.2M 30-89 days delinquent, $8.5M 90+ days delinquent, and $180.2M in nonaccrual status. The most distressed lender in this category is ASPIRE BANK (ND) with an NPL ratio of 19.95%.
Total Lenders
188
Total Loan Portfolio
$21.1B
Total NPL
$188.7M
Average NPL %
0.89%
Delinquency Breakdown
30-89 Days
$113.2M
90+ Days
$8.5M
Nonaccrual
$180.2M
Charge-offs
$2.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in North Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ASPIRE BANK | ND | $2.3M | $460K | 19.95% |
| VISIONBANK | ND | $14.5M | $1.1M | 7.84% |
| STARION BANK | ND | $6.6M | $425K | 6.48% |
| ALERUS FINANCIAL, NATIONAL ASSOCIATION | ND | $41.5M | $2.4M | 5.70% |
| AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON | ND | $1.3M | $63K | 4.82% |
| ASPIRE BANK | ND | $9.8M | $460K | 4.68% |
| LINCOLN STATE BANK | ND | $3.8M | $94K | 2.50% |
| LINCOLN STATE BANK | ND | $4.8M | $94K | 1.94% |
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