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Distressed Note Industry
Oklahoma Construction & Development
Analyzing construction & development loan performance across 427 Oklahoma banks
As of Q2 2025, 427 Oklahoma banks report construction & development portfolios totaling $19.4B. Non-performing loans in this category total $200.1M — an average NPL ratio of 1.03% — with $102.2M 30-89 days delinquent, $12.6M 90+ days delinquent, and $187.6M in nonaccrual status. The most distressed lender in this category is FNB COMMUNITY BANK (OK) with an NPL ratio of 82.64%.
Total Lenders
427
Total Loan Portfolio
$19.4B
Total NPL
$200.1M
Average NPL %
1.03%
Delinquency Breakdown
30-89 Days
$102.2M
90+ Days
$12.6M
Nonaccrual
$187.6M
Charge-offs
$19.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Oklahoma
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FNB COMMUNITY BANK | OK | $6.7M | $5.6M | 82.64% |
| BANK OF VICI | OK | $291K | $170K | 58.42% |
| BANK OF VICI | OK | $330K | $170K | 51.52% |
| FNB COMMUNITY BANK | OK | $22.0M | $5.6M | 25.39% |
| SPIRITBANK | OK | $19.1M | $4.2M | 22.00% |
| IDABEL NATIONAL BANK, THE | OK | $28.1M | $5.5M | 19.57% |
| STOCK EXCHANGE BANK, THE | OK | $195K | $35K | 17.95% |
| CITY NATIONAL BANK AND TRUST COMPANY OF LAWTON, OKLAHOMA, THE | OK | $7.8M | $1.3M | 17.20% |
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