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Distressed Note Industry
Ohio Residential Real Estate
Analyzing residential real estate loan performance across 470 Ohio banks
As of Q3 2025, 470 Ohio banks report residential real estate portfolios totaling $1.1T. Non-performing loans in this category total $16.0B — an average NPL ratio of 1.43% — with $5.2B 30-89 days delinquent, $6.4B 90+ days delinquent, and $9.7B in nonaccrual status. The most distressed lender in this category is NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE (OH) with an NPL ratio of 17.08%.
Total Lenders
470
Total Loan Portfolio
$1.1T
Total NPL
$16.0B
Average NPL %
1.43%
Delinquency Breakdown
30-89 Days
$5.2B
90+ Days
$6.4B
Nonaccrual
$9.7B
Charge-offs
$112.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Ohio
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE | OH | $2.2M | $383K | 17.08% |
| CIVISTA BANK | OH | $9.6M | $1.0M | 10.62% |
| 1ST NATIONAL BANK | OH | $1.9M | $116K | 6.10% |
| NATIONAL COOPERATIVE BANK, N.A. | OH | $895.7M | $47.8M | 5.34% |
| NATIONAL COOPERATIVE BANK, N.A. | OH | $915.6M | $47.9M | 5.23% |
| FARMERS AND MERCHANTS BANK, THE | OH | $56.7M | $2.9M | 5.17% |
| FARMERS AND MERCHANTS BANK, THE | OH | $56.8M | $2.9M | 5.16% |
| NATIONAL BANK OF ADAMS COUNTY OF WEST UNION, THE | OH | $27.7M | $936K | 3.38% |
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