Question 1

Which Connecticut banks have the most non-performing construction & development?

Accepted Answer

1. EASTERN CONNECTICUT SAVINGS BANK (CT) — 66.83% NPL; 2. EASTERN CONNECTICUT SAVINGS BANK (CT) — 34.15% NPL; 3. FIELDPOINT PRIVATE BANK & TRUST (CT) — 26.84% NPL; 4. EASTERN CONNECTICUT SAVINGS BANK (CT) — 23.74% NPL; 5. FIELDPOINT PRIVATE BANK & TRUST (CT) — 23.73% NPL

Question 2

How large is the construction & development market for Connecticut banks?

Accepted Answer

As of Q2 2025, 79 Connecticut banks report construction & development portfolios totaling $7.5B. Non-performing loans in this category total $96.7M — an average NPL ratio of 1.28% — with $1.9M 30-89 days delinquent, $12.8M 90+ days delinquent, and $83.9M in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
EASTERN CONNECTICUT SAVINGS BANK	CT	$1.5M	$981K	66.83%
EASTERN CONNECTICUT SAVINGS BANK	CT	$6.1M	$2.1M	34.15%
FIELDPOINT PRIVATE BANK & TRUST	CT	$23.8M	$6.4M	26.84%
EASTERN CONNECTICUT SAVINGS BANK	CT	$4.6M	$1.1M	23.74%
FIELDPOINT PRIVATE BANK & TRUST	CT	$27.0M	$6.4M	23.73%
IVES BANK	CT	$43.6M	$6.6M	15.21%
IVES BANK	CT	$53.1M	$6.6M	12.49%
PATRIOT BANK, NATIONAL ASSOCIATION	CT	$1.5M	$31K	2.03%

Connecticut Construction & Development

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Construction & Development in Connecticut

Construction & Development in Other States

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