Which North Dakota banks have the most non-performing construction & development?

1. AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON (ND) — 54.89% NPL; 2. AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON (ND) — 41.17% NPL; 3. BORDER BANK (ND) — 36.19% NPL; 4. BORDER BANK (ND) — 22.77% NPL; 5. SECURITY FIRST BANK OF NORTH DAKOTA (ND) — 21.64% NPL

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North Dakota Construction & Development

Q2 2025ND Banks

Analyzing construction & development loan performance across 132 North Dakota banks

As of Q2 2025, 132 North Dakota banks report construction & development portfolios totaling $5.0B. Non-performing loans in this category total $126.0M — an average NPL ratio of 2.50% — with $40.4M 30-89 days delinquent, $3.7M 90+ days delinquent, and $122.3M in nonaccrual status. The most distressed lender in this category is AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON (ND) with an NPL ratio of 54.89%.

Total Lenders

132

Total Loan Portfolio

$5.0B

Total NPL

$126.0M

Average NPL %

2.50%

30-89 Days

$40.4M

90+ Days

$3.7M

Nonaccrual

$122.3M

Charge-offs

$268K

Distribution of banks by non-performing loan ratio

Bank Name	State	Portfolio	NPL	NPL %
AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON	ND	$4.1M	$2.2M	54.89%
AMERICAN STATE BANK & TRUST COMPANY OF WILLISTON	ND	$5.4M	$2.2M	41.17%
BORDER BANK	ND	$22.1M	$8.0M	36.19%
BORDER BANK	ND	$35.1M	$8.0M	22.77%
SECURITY FIRST BANK OF NORTH DAKOTA	ND	$20.8M	$4.5M	21.64%
SECURITY FIRST BANK OF NORTH DAKOTA	ND	$24.7M	$4.5M	18.20%
ALERUS FINANCIAL, NATIONAL ASSOCIATION	ND	$35.8M	$4.7M	13.09%
ALERUS FINANCIAL, NATIONAL ASSOCIATION	ND	$388.5M	$36.1M	9.29%

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North Dakota Construction & Development

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Construction & Development in North Dakota

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