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Distressed Note Industry
Utah Residential Real Estate
Analyzing residential real estate loan performance across 86 Utah banks
As of Q2 2025, 86 Utah banks report residential real estate portfolios totaling $133.7B. Non-performing loans in this category total $885.7M — an average NPL ratio of 0.66% — with $268.6M 30-89 days delinquent, $69.9M 90+ days delinquent, and $815.8M in nonaccrual status. The most distressed lender in this category is CELTIC BANK CORPORATION (UT) with an NPL ratio of 34.71%.
Total Lenders
86
Total Loan Portfolio
$133.7B
Total NPL
$885.7M
Average NPL %
0.66%
Delinquency Breakdown
30-89 Days
$268.6M
90+ Days
$69.9M
Nonaccrual
$815.8M
Charge-offs
$13.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Utah
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CELTIC BANK CORPORATION | UT | $170K | $59K | 34.71% |
| CELTIC BANK CORPORATION | UT | $268K | $59K | 22.01% |
| FINWISE BANK | UT | $53.7M | $9.8M | 18.22% |
| FINWISE BANK | UT | $61.4M | $9.8M | 15.93% |
| SUNWEST BANK | UT | $798K | $106K | 13.28% |
| MORGAN STANLEY BANK, N.A. | UT | $2.3B | $158.0M | 6.91% |
| MORGAN STANLEY BANK, N.A. | UT | $2.3B | $158.0M | 6.91% |
| GREEN DOT BANK | UT | $402K | $21K | 5.22% |
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Residential Real Estate in Other States
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