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Distressed Note Industry
Wisconsin Construction & Development
Analyzing construction & development loan performance across 447 Wisconsin banks
As of Q2 2025, 447 Wisconsin banks report construction & development portfolios totaling $16.1B. Non-performing loans in this category total $51.3M — an average NPL ratio of 0.32% — with $23.7M 30-89 days delinquent, $6K 90+ days delinquent, and $51.3M in nonaccrual status. The most distressed lender in this category is UNITY BANK (WI) with an NPL ratio of 29.97%.
Total Lenders
447
Total Loan Portfolio
$16.1B
Total NPL
$51.3M
Average NPL %
0.32%
Delinquency Breakdown
30-89 Days
$23.7M
90+ Days
$6K
Nonaccrual
$51.3M
Charge-offs
$5.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Wisconsin
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| UNITY BANK | WI | $861K | $258K | 29.97% |
| BAY BANK | WI | $5.9M | $656K | 11.15% |
| BAY BANK | WI | $7.3M | $656K | 8.98% |
| PREMIERBANK | WI | $9.0M | $610K | 6.79% |
| HORICON BANK | WI | $19.6M | $1.2M | 6.09% |
| FORTIFI BANK | WI | $62.6M | $3.8M | 6.06% |
| BANKERS' BANK | WI | $179.6M | $9.7M | 5.41% |
| BANKERS' BANK | WI | $179.6M | $9.7M | 5.41% |
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Construction & Development in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wyoming
District of Columbia
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