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Distressed Note Industry
Washington Residential Real Estate
Analyzing residential real estate loan performance across 117 Washington banks
As of Q3 2025, 117 Washington banks report residential real estate portfolios totaling $38.5B. Non-performing loans in this category total $222.5M — an average NPL ratio of 0.58% — with $103.8M 30-89 days delinquent, $7.6M 90+ days delinquent, and $214.9M in nonaccrual status. The most distressed lender in this category is LIBERTY BANK (WA) with an NPL ratio of 23.29%.
Total Lenders
117
Total Loan Portfolio
$38.5B
Total NPL
$222.5M
Average NPL %
0.58%
Delinquency Breakdown
30-89 Days
$103.8M
90+ Days
$7.6M
Nonaccrual
$214.9M
Charge-offs
$16.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Washington
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LIBERTY BANK | WA | $1.0M | $235K | 23.29% |
| PORTAGE BANK | WA | $2.0M | $450K | 22.65% |
| SEATTLE BANK | WA | $244.0M | $34.2M | 14.00% |
| SEATTLE BANK | WA | $325.8M | $34.2M | 10.48% |
| RIVERVIEW BANK | WA | $331K | $29K | 8.76% |
| BAKER BOYER NATIONAL BANK | WA | $10.3M | $796K | 7.70% |
| MOUNTAIN PACIFIC BANK | WA | $4.7M | $250K | 5.32% |
| HERITAGE BANK | WA | $21.8M | $985K | 4.52% |
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