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Distressed Note Industry
Rhode Island Residential Real Estate
Analyzing residential real estate loan performance across 23 Rhode Island banks
As of Q2 2025, 23 Rhode Island banks report residential real estate portfolios totaling $113.9B. Non-performing loans in this category total $1.8B — an average NPL ratio of 1.56% — with $447.8M 30-89 days delinquent, $773.1M 90+ days delinquent, and $1.0B in nonaccrual status. The most distressed lender in this category is CITIZENS BANK, NATIONAL ASSOCIATION (RI) with an NPL ratio of 3.84%.
Total Lenders
23
Total Loan Portfolio
$113.9B
Total NPL
$1.8B
Average NPL %
1.56%
Delinquency Breakdown
30-89 Days
$447.8M
90+ Days
$773.1M
Nonaccrual
$1.0B
Charge-offs
$19.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Rhode Island
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $99.0M | $3.8M | 3.84% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $34.6B | $590.7M | 1.71% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $52.2B | $867.6M | 1.66% |
| CITIZENS BANK, NATIONAL ASSOCIATION | RI | $17.5B | $273.1M | 1.56% |
| BANK RHODE ISLAND | RI | $8.8M | $106K | 1.21% |
| CENTREVILLE BANK | RI | $45.0M | $406K | 0.90% |
| SHOREHAM BANK | RI | $127.8M | $1.0M | 0.82% |
| SHOREHAM BANK | RI | $186.7M | $1.4M | 0.73% |
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