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Distressed Note Industry
California Construction & Development
Analyzing construction & development loan performance across 261 California banks
As of Q2 2025, 261 California banks report construction & development portfolios totaling $30.6B. Non-performing loans in this category total $397.1M — an average NPL ratio of 1.30% — with $172.8M 30-89 days delinquent, $0 90+ days delinquent, and $397.1M in nonaccrual status. The most distressed lender in this category is NEW OMNI BANK, NATIONAL ASSOCIATION (CA) with an NPL ratio of 64.57%.
Total Lenders
261
Total Loan Portfolio
$30.6B
Total NPL
$397.1M
Average NPL %
1.30%
Delinquency Breakdown
30-89 Days
$172.8M
90+ Days
$0
Nonaccrual
$397.1M
Charge-offs
$52.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in California
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NEW OMNI BANK, NATIONAL ASSOCIATION | CA | $6.8M | $4.4M | 64.57% |
| BANC OF CALIFORNIA | CA | $48.6M | $20.7M | 42.54% |
| STATE BANK OF INDIA (CALIFORNIA) | CA | $871K | $324K | 37.20% |
| STATE BANK OF INDIA (CALIFORNIA) | CA | $871K | $324K | 37.20% |
| GBC INTERNATIONAL BANK | CA | $4.6M | $1.5M | 33.18% |
| GBC INTERNATIONAL BANK | CA | $4.6M | $1.5M | 33.18% |
| ROYAL BUSINESS BANK | CA | $146.7M | $35.5M | 24.19% |
| ROYAL BUSINESS BANK | CA | $157.1M | $35.5M | 22.59% |
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Construction & Development in Other States
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