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Distressed Note Industry
Florida Construction & Development
Analyzing construction & development loan performance across 227 Florida banks
As of Q2 2025, 227 Florida banks report construction & development portfolios totaling $20.9B. Non-performing loans in this category total $143.7M — an average NPL ratio of 0.69% — with $79.0M 30-89 days delinquent, $0 90+ days delinquent, and $143.7M in nonaccrual status. The most distressed lender in this category is COMMERCE BANK & TRUST (FL) with an NPL ratio of 20.20%.
Total Lenders
227
Total Loan Portfolio
$20.9B
Total NPL
$143.7M
Average NPL %
0.69%
Delinquency Breakdown
30-89 Days
$79.0M
90+ Days
$0
Nonaccrual
$143.7M
Charge-offs
$164K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Florida
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| COMMERCE BANK & TRUST | FL | $11.6M | $2.3M | 20.20% |
| COMMERCE BANK & TRUST | FL | $16.3M | $2.3M | 14.38% |
| CITIZENS BANK AND TRUST | FL | $39.9M | $4.9M | 12.28% |
| BAYFIRST NATIONAL BANK | FL | $32.5M | $3.3M | 10.01% |
| CITIZENS BANK AND TRUST | FL | $55.3M | $4.9M | 8.85% |
| PNB COMMUNITY BANK | FL | $12.8M | $1.1M | 8.81% |
| NEWTEK BANK, NATIONAL ASSOCIATION | FL | $52.2M | $4.1M | 7.94% |
| NEWTEK BANK, NATIONAL ASSOCIATION | FL | $52.2M | $4.1M | 7.94% |
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Construction & Development in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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