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Distressed Note Industry
California Construction & Development
Analyzing construction & development loan performance across 252 California banks
As of Q3 2025, 252 California banks report construction & development portfolios totaling $31.0B. Non-performing loans in this category total $415.9M — an average NPL ratio of 1.34% — with $48.2M 30-89 days delinquent, $19.1M 90+ days delinquent, and $396.8M in nonaccrual status. The most distressed lender in this category is NEW OMNI BANK, NATIONAL ASSOCIATION (CA) with an NPL ratio of 62.35%.
Total Lenders
252
Total Loan Portfolio
$31.0B
Total NPL
$415.9M
Average NPL %
1.34%
Delinquency Breakdown
30-89 Days
$48.2M
90+ Days
$19.1M
Nonaccrual
$396.8M
Charge-offs
$84.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in California
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| NEW OMNI BANK, NATIONAL ASSOCIATION | CA | $7.0M | $4.4M | 62.35% |
| CALIFORNIA PACIFIC BANK | CA | $18.4M | $9.4M | 51.14% |
| CALIFORNIA PACIFIC BANK | CA | $18.4M | $9.4M | 51.14% |
| US METRO BANK | CA | $31.2M | $8.2M | 26.28% |
| US METRO BANK | CA | $31.2M | $8.2M | 26.28% |
| ROYAL BUSINESS BANK | CA | $146.7M | $28.3M | 19.26% |
| MEGA BANK | CA | $25.2M | $4.4M | 17.36% |
| ROYAL BUSINESS BANK | CA | $162.8M | $28.3M | 17.35% |
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Construction & Development in Other States
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