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Distressed Note Industry
Arizona Construction & Development
Analyzing construction & development loan performance across 32 Arizona banks
As of Q3 2025, 32 Arizona banks report construction & development portfolios totaling $8.6B. Non-performing loans in this category total $284.4M — an average NPL ratio of 3.31% — with $658K 30-89 days delinquent, $518K 90+ days delinquent, and $283.9M in nonaccrual status. The most distressed lender in this category is GOLDWATER BANK, NATIONAL ASSOCIATION (AZ) with an NPL ratio of 8.62%.
Total Lenders
32
Total Loan Portfolio
$8.6B
Total NPL
$284.4M
Average NPL %
3.31%
Delinquency Breakdown
30-89 Days
$658K
90+ Days
$518K
Nonaccrual
$283.9M
Charge-offs
$13.4M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Arizona
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $54.0M | $4.7M | 8.62% |
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $85.1M | $5.4M | 6.38% |
| WESTERN ALLIANCE BANK | AZ | $2.4B | $136.7M | 5.59% |
| WESTERN ALLIANCE BANK | AZ | $4.1B | $136.7M | 3.37% |
| GOLDWATER BANK, NATIONAL ASSOCIATION | AZ | $31.1M | $774K | 2.49% |
| SOUTHWEST HERITAGE BANK | AZ | $47.4M | $58K | 0.12% |
| SOUTHWEST HERITAGE BANK | AZ | $54.7M | $58K | 0.11% |
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Construction & Development in Other States
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