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Distressed Note Industry
Oregon Residential Real Estate
Analyzing residential real estate loan performance across 56 Oregon banks
As of Q2 2025, 56 Oregon banks report residential real estate portfolios totaling $18.2B. Non-performing loans in this category total $158.4M — an average NPL ratio of 0.87% — with $60.2M 30-89 days delinquent, $149.3M 90+ days delinquent, and $9.1M in nonaccrual status. The most distressed lender in this category is WILLAMETTE VALLEY BANK (OR) with an NPL ratio of 29.55%.
Total Lenders
56
Total Loan Portfolio
$18.2B
Total NPL
$158.4M
Average NPL %
0.87%
Delinquency Breakdown
30-89 Days
$60.2M
90+ Days
$149.3M
Nonaccrual
$9.1M
Charge-offs
$1.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Oregon
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| WILLAMETTE VALLEY BANK | OR | $44K | $13K | 29.55% |
| BANK OF EASTERN OREGON | OR | $2.3M | $313K | 13.62% |
| PEOPLE'S BANK OF COMMERCE | OR | $842K | $101K | 12.00% |
| PEOPLE'S BANK OF COMMERCE | OR | $2.1M | $67K | 3.27% |
| EVERGREEN FEDERAL BANK | OR | $1.2M | $28K | 2.29% |
| BANK OF EASTERN OREGON | OR | $26.9M | $495K | 1.84% |
| UMPQUA BANK | OR | $24.0M | $286K | 1.19% |
| EVERGREEN FEDERAL BANK | OR | $5.5M | $65K | 1.18% |
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Residential Real Estate in Other States
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