01 · Other Real Estate Owned (OREO)
$4.91 BILLION
Q2 2026
vs. prior quarter +6.7%vs. year earlier +19.5%
The reported value of real estate held by FDIC-insured institutions following foreclosure or other acquisition.
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REO & Mortgage Delinquency Intelligence
Insights into bank-owned real estate, mortgage delinquency, nonperforming real estate loans, and changing conditions.
DATA SOURCE: FDIC.GOV
- Last updated
- November 11, 2026
- Financial data through
- Q2 2026
All FDIC-insured institutions, United States. 4,313 reporting institutions, Q2 2026.
02 · Seriously Delinquent Mortgages
$18.67 BILLION
Q2 2026
vs. prior quarter -5.9%vs. year earlier +27.1%
The outstanding balance of residential mortgages reported as 90 or more days past due, providing insight into serious mortgage delinquency.
03 · Nonaccrual Real Estate Loans
$58.87 BILLION
Q2 2026
vs. prior quarter -0.7%vs. year earlier +0.7%
- Residential (1–4 family): $23.02 BILLION
- Commercial (nonfarm nonresidential, multifamily, construction): $34.26 BILLION
The reported balance of real estate loans on which financial institutions have stopped accruing interest income because of credit deterioration.
04 · Early-Stage Mortgage Delinquency
$17.57 BILLION
Q2 2026
vs. prior quarter -4.0%vs. year earlier -1.3%
Residential mortgage balances experiencing early-stage payment delinquency, providing an indication of emerging financial stress.
Historical Distressed Real Estate Trends
Other Real Estate Owned (OREO) · All FDIC-insured institutions, United States. Quarterly reported balances.
+−Additional Banking System Indicators
| Total real estate loans | $6.21 TRILLION |
|---|---|
| Residential (1–4 family) real estate loans | $2.96 TRILLION |
| Commercial (nonfarm nonresidential) real estate loans | $1.95 TRILLION |
| Multifamily real estate loans | $670.33 BILLION |
| Total noncurrent loans & leases | $130.92 BILLION |
| Noncurrent real estate loans | $79.27 BILLION |
| Noncurrent real estate loans as % of real estate loans | 1.28% |
| 1–4 family residential | $1.07 BILLION |
|---|---|
| Nonfarm nonresidential | $2.68 BILLION |
| Construction & land development | $679.15 MILLION |
| Multifamily | $437.73 MILLION |
| Farmland | $36.86 MILLION |
Noncurrent loans are those 90 or more days past due.
Understanding the Indicators
Other Real Estate Owned (OREO)
OREO represents real estate already held by financial institutions, generally following foreclosure or another acquisition process. It is a measure of bank-owned real estate reported on financial institution balance sheets.
Mortgage Delinquency
Mortgage delinquency represents loans where borrowers have fallen behind on scheduled payments. Delinquency is not necessarily in foreclosure.
Nonaccrual Real Estate Loans
Nonaccrual loans are loans on which financial institutions have stopped accruing interest income because of concerns about repayment.
Early-Stage Delinquency
Early-stage delinquency identifies mortgages that have become 30–89 days past due.
Data Source and Methodology
The financial information presented in this section is derived from publicly available reporting data published by the Federal Deposit Insurance Corporation (FDIC). Figures are presented for informational and educational purposes and should not be interpreted as investment advice, a prediction of foreclosure activity, or a representation of the total distressed real estate market.
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