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Distressed Note Industry
Maryland Construction & Development
Analyzing construction & development loan performance across 85 Maryland banks
As of Q2 2025, 85 Maryland banks report construction & development portfolios totaling $7.6B. Non-performing loans in this category total $227.6M — an average NPL ratio of 2.98% — with $26.7M 30-89 days delinquent, $16.5M 90+ days delinquent, and $211.1M in nonaccrual status. The most distressed lender in this category is CECIL BANK (MD) with an NPL ratio of 77.15%.
Total Lenders
85
Total Loan Portfolio
$7.6B
Total NPL
$227.6M
Average NPL %
2.98%
Delinquency Breakdown
30-89 Days
$26.7M
90+ Days
$16.5M
Nonaccrual
$211.1M
Charge-offs
$43.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CECIL BANK | MD | $1.2M | $942K | 77.15% |
| CECIL BANK | MD | $1.2M | $942K | 77.15% |
| FORBRIGHT BANK | MD | $423.8M | $23.2M | 5.48% |
| FORBRIGHT BANK | MD | $434.9M | $23.4M | 5.37% |
| EAGLEBANK | MD | $1.6B | $66.4M | 4.24% |
| EAGLEBANK | MD | $1.7B | $71.4M | 4.18% |
| CAPITAL BANK, NATIONAL ASSOCIATION | MD | $221.4M | $8.1M | 3.66% |
| CFG BANK | MD | $260.2M | $9.5M | 3.63% |
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Construction & Development in Other States
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