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Distressed Note Industry
Missouri Construction & Development
Analyzing construction & development loan performance across 464 Missouri banks
As of Q2 2025, 464 Missouri banks report construction & development portfolios totaling $23.8B. Non-performing loans in this category total $189.3M — an average NPL ratio of 0.79% — with $72.0M 30-89 days delinquent, $6.2M 90+ days delinquent, and $183.1M in nonaccrual status. The most distressed lender in this category is LEAD BANK (MO) with an NPL ratio of 28.27%.
Total Lenders
464
Total Loan Portfolio
$23.8B
Total NPL
$189.3M
Average NPL %
0.79%
Delinquency Breakdown
30-89 Days
$72.0M
90+ Days
$6.2M
Nonaccrual
$183.1M
Charge-offs
$3.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Missouri
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LEAD BANK | MO | $12.5M | $3.5M | 28.27% |
| NEW ERA BANK | MO | $27.0M | $6.9M | 25.58% |
| SULLIVAN BANK | MO | $31.6M | $7.5M | 23.76% |
| ARLO BANK | MO | $5.1M | $839K | 16.33% |
| CITIZENS BANK | MO | $33.9M | $5.5M | 16.15% |
| NEW ERA BANK | MO | $48.1M | $6.9M | 14.34% |
| CLAY COUNTY SAVINGS BANK | MO | $5.4M | $762K | 14.15% |
| INVESTORS COMMUNITY BANK | MO | $1.7M | $220K | 12.76% |
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Construction & Development in Other States
Alabama
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Ohio
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Oregon
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South Carolina
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Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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