My Work
Distressed Note Industry
New York Residential Real Estate
Analyzing residential real estate loan performance across 370 New York banks
As of Q2 2025, 370 New York banks report residential real estate portfolios totaling $339.0B. Non-performing loans in this category total $3.6B — an average NPL ratio of 1.05% — with $2.7B 30-89 days delinquent, $936.5M 90+ days delinquent, and $2.6B in nonaccrual status. The most distressed lender in this category is SAFRA NATIONAL BANK OF NEW YORK (NY) with an NPL ratio of 100.00%.
Total Lenders
370
Total Loan Portfolio
$339.0B
Total NPL
$3.6B
Average NPL %
1.05%
Delinquency Breakdown
30-89 Days
$2.7B
90+ Days
$936.5M
Nonaccrual
$2.6B
Charge-offs
$35.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in New York
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SAFRA NATIONAL BANK OF NEW YORK | NY | $2.5M | $2.5M | 100.00% |
| ALMA BANK | NY | $7.2M | $2.8M | 39.03% |
| MASPETH FEDERAL SAVINGS AND LOAN ASSOCIATION | NY | $1.2M | $283K | 22.88% |
| GRASSHOPPER BANK, N.A. | NY | $921K | $191K | 20.74% |
| SAFRA NATIONAL BANK OF NEW YORK | NY | $15.0M | $2.5M | 16.52% |
| ALMA BANK | NY | $36.1M | $6.0M | 16.51% |
| POPULAR BANK | NY | $2.2M | $258K | 11.96% |
| ALMA BANK | NY | $28.7M | $3.2M | 10.99% |
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Residential Real Estate in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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