Question 1

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

Accepted Answer

1. FIRST BANK RICHMOND (IN) — 8.09% NPL; 2. FIRST FINANCIAL BANK, NATIONAL ASSOCIATION (IN) — 7.62% NPL; 3. FIRST BANK RICHMOND (IN) — 7.26% NPL; 4. AMERICAN COMMUNITY BANK OF INDIANA (IN) — 6.88% NPL; 5. FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENSBURG (IN) — 6.55% NPL

Question 2

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

Accepted Answer

As of Q3 2025, 255 Indiana banks report construction & development portfolios totaling $22.0B. Non-performing loans in this category total $180.1M — an average NPL ratio of 0.82% — with $125.0M 30-89 days delinquent, $5.2M 90+ days delinquent, and $174.8M in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
FIRST BANK RICHMOND	IN	$60.5M	$4.9M	8.09%
FIRST FINANCIAL BANK, NATIONAL ASSOCIATION	IN	$38.8M	$3.0M	7.62%
FIRST BANK RICHMOND	IN	$67.5M	$4.9M	7.26%
AMERICAN COMMUNITY BANK OF INDIANA	IN	$19.2M	$1.3M	6.88%
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENSBURG	IN	$1.8M	$118K	6.55%
AMERICAN COMMUNITY BANK OF INDIANA	IN	$24.2M	$1.3M	5.48%
FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF GREENSBURG	IN	$2.2M	$118K	5.26%
FIRST BANK OF BERNE	IN	$14.9M	$650K	4.37%

Indiana Construction & Development

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Construction & Development in Indiana

Construction & Development in Other States

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