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Distressed Note Industry
Tennessee Residential Real Estate
Analyzing residential real estate loan performance across 456 Tennessee banks
As of Q2 2025, 456 Tennessee banks report residential real estate portfolios totaling $85.6B. Non-performing loans in this category total $696.0M — an average NPL ratio of 0.81% — with $411.3M 30-89 days delinquent, $129.6M 90+ days delinquent, and $566.4M in nonaccrual status. The most distressed lender in this category is CITIZENS SAVINGS BANK AND TRUST COMPANY (TN) with an NPL ratio of 65.41%.
Total Lenders
456
Total Loan Portfolio
$85.6B
Total NPL
$696.0M
Average NPL %
0.81%
Delinquency Breakdown
30-89 Days
$411.3M
90+ Days
$129.6M
Nonaccrual
$566.4M
Charge-offs
$10.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Tennessee
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CITIZENS SAVINGS BANK AND TRUST COMPANY | TN | $1.3M | $832K | 65.41% |
| FIRST FARMERS AND COMMERCIAL BANK | TN | $1.4M | $289K | 20.06% |
| TNBANK | TN | $883K | $106K | 12.00% |
| BANK OF FRANKEWING | TN | $97.0M | $10.1M | 10.46% |
| BANK OF FRANKEWING | TN | $118.3M | $10.6M | 8.99% |
| HARDIN COUNTY BANK, THE | TN | $5.8M | $514K | 8.91% |
| BANK OF FRANKEWING | TN | $6.1M | $492K | 8.03% |
| APEX BANK | TN | $5.4M | $333K | 6.16% |
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