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Distressed Note Industry
Oregon Construction & Development
Analyzing construction & development loan performance across 41 Oregon banks
As of Q2 2025, 41 Oregon banks report construction & development portfolios totaling $5.7B. Non-performing loans in this category total $10.9M — an average NPL ratio of 0.19% — with $79.6M 30-89 days delinquent, $3.7M 90+ days delinquent, and $7.2M in nonaccrual status. The most distressed lender in this category is PEOPLE'S BANK OF COMMERCE (OR) with an NPL ratio of 11.63%.
Total Lenders
41
Total Loan Portfolio
$5.7B
Total NPL
$10.9M
Average NPL %
0.19%
Delinquency Breakdown
30-89 Days
$79.6M
90+ Days
$3.7M
Nonaccrual
$7.2M
Charge-offs
$108K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Oregon
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PEOPLE'S BANK OF COMMERCE | OR | $7.9M | $922K | 11.63% |
| OREGON COAST BANK | OR | $9.4M | $1.0M | 10.99% |
| PACIFIC WEST BANK | OR | $8.0M | $840K | 10.56% |
| PACIFIC WEST BANK | OR | $8.8M | $840K | 9.53% |
| OREGON COAST BANK | OR | $30.9M | $1.4M | 4.40% |
| EVERGREEN FEDERAL BANK | OR | $13.7M | $340K | 2.48% |
| PEOPLE'S BANK OF COMMERCE | OR | $37.2M | $922K | 2.48% |
| OREGON COAST BANK | OR | $21.5M | $327K | 1.52% |
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Construction & Development in Other States
Alabama
Alaska
Arizona
Arkansas
California
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Connecticut
Delaware
Florida
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Illinois
Indiana
Iowa
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Minnesota
Mississippi
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Nevada
New Hampshire
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North Carolina
North Dakota
Ohio
Oklahoma
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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