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Distressed Note Industry
New Mexico Residential Real Estate
Analyzing residential real estate loan performance across 90 New Mexico banks
As of Q3 2025, 90 New Mexico banks report residential real estate portfolios totaling $2.6B. Non-performing loans in this category total $10.5M — an average NPL ratio of 0.41% — with $17.2M 30-89 days delinquent, $1.7M 90+ days delinquent, and $8.8M in nonaccrual status. The most distressed lender in this category is PIONEER BANK (NM) with an NPL ratio of 47.43%.
Total Lenders
90
Total Loan Portfolio
$2.6B
Total NPL
$10.5M
Average NPL %
0.41%
Delinquency Breakdown
30-89 Days
$17.2M
90+ Days
$1.7M
Nonaccrual
$8.8M
Charge-offs
$266K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in New Mexico
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PIONEER BANK | NM | $1.1M | $499K | 47.43% |
| FIRST AMERICAN BANK | NM | $1.8M | $207K | 11.59% |
| PIONEER BANK | NM | $52.2M | $1.1M | 2.14% |
| JAMES POLK STONE COMMUNITY BANK | NM | $565K | $12K | 2.12% |
| FIRST NATIONAL BANK | NM | $22.2M | $353K | 1.59% |
| FIRST NATIONAL BANK | NM | $22.8M | $353K | 1.55% |
| PIONEER BANK | NM | $50.8M | $616K | 1.21% |
| TUCUMCARI FEDERAL SAVINGS & LOAN ASSOCIATION | NM | $22.0M | $249K | 1.13% |
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