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Distressed Note Industry
Kansas Construction & Development
Analyzing construction & development loan performance across 381 Kansas banks
As of Q2 2025, 381 Kansas banks report construction & development portfolios totaling $6.4B. Non-performing loans in this category total $18.1M — an average NPL ratio of 0.28% — with $17.4M 30-89 days delinquent, $5.6M 90+ days delinquent, and $12.6M in nonaccrual status. The most distressed lender in this category is FIRST SECURITY BANK, THE (KS) with an NPL ratio of 15.98%.
Total Lenders
381
Total Loan Portfolio
$6.4B
Total NPL
$18.1M
Average NPL %
0.28%
Delinquency Breakdown
30-89 Days
$17.4M
90+ Days
$5.6M
Nonaccrual
$12.6M
Charge-offs
$37K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Kansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST SECURITY BANK, THE | KS | $6.3M | $999K | 15.98% |
| BANK OF THE PLAINS | KS | $6.5M | $894K | 13.73% |
| FARMERS STATE BANK, THE | KS | $8.1M | $1.0M | 12.38% |
| ESB FINANCIAL | KS | $15.6M | $1.6M | 10.25% |
| ESB FINANCIAL | KS | $20.2M | $1.6M | 7.94% |
| FARMERS STATE BANK, THE | KS | $13.2M | $1.0M | 7.60% |
| OUTDOOR BANK | KS | $23.7M | $1.2M | 5.01% |
| MUTUAL SAVINGS ASSOCIATION | KS | $64.2M | $2.5M | 3.88% |
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Construction & Development in Other States
Alabama
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South Carolina
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Tennessee
Texas
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Washington
West Virginia
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District of Columbia
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