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Distressed Note Industry
Kansas Construction & Development
Analyzing construction & development loan performance across 387 Kansas banks
As of Q3 2025, 387 Kansas banks report construction & development portfolios totaling $6.9B. Non-performing loans in this category total $25.7M — an average NPL ratio of 0.37% — with $15.9M 30-89 days delinquent, $9.5M 90+ days delinquent, and $16.2M in nonaccrual status. The most distressed lender in this category is SMALL BUSINESS BANK (KS) with an NPL ratio of 26.74%.
Total Lenders
387
Total Loan Portfolio
$6.9B
Total NPL
$25.7M
Average NPL %
0.37%
Delinquency Breakdown
30-89 Days
$15.9M
90+ Days
$9.5M
Nonaccrual
$16.2M
Charge-offs
$74K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Kansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SMALL BUSINESS BANK | KS | $4.1M | $1.1M | 26.74% |
| SMALL BUSINESS BANK | KS | $4.1M | $1.1M | 26.74% |
| HERITAGE BANK | KS | $8.7M | $1.5M | 17.19% |
| SECURITY STATE BANK | KS | $2.4M | $370K | 15.16% |
| BANK OF THE PLAINS | KS | $6.1M | $874K | 14.31% |
| MUTUAL SAVINGS ASSOCIATION | KS | $29.3M | $3.1M | 10.73% |
| HERITAGE BANK | KS | $14.9M | $1.5M | 10.08% |
| FIRST OPTION BANK | KS | $41.3M | $2.6M | 6.22% |
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Construction & Development in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
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
Wisconsin
Wyoming
District of Columbia
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