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Distressed Note Industry
Kentucky Construction & Development
Analyzing construction & development loan performance across 350 Kentucky banks
As of Q2 2025, 350 Kentucky banks report construction & development portfolios totaling $10.5B. Non-performing loans in this category total $25.2M — an average NPL ratio of 0.24% — with $38.2M 30-89 days delinquent, $3.3M 90+ days delinquent, and $21.9M in nonaccrual status. The most distressed lender in this category is FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION (KY) with an NPL ratio of 86.83%.
Total Lenders
350
Total Loan Portfolio
$10.5B
Total NPL
$25.2M
Average NPL %
0.24%
Delinquency Breakdown
30-89 Days
$38.2M
90+ Days
$3.3M
Nonaccrual
$21.9M
Charge-offs
$496K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Kentucky
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | KY | $334K | $290K | 86.83% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | KY | $751K | $290K | 38.62% |
| MURRAY BANK, THE | KY | $10.2M | $2.0M | 19.61% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $3.4M | $352K | 10.40% |
| MURRAY BANK, THE | KY | $23.3M | $2.0M | 8.59% |
| BANK OF HINDMAN | KY | $5.9M | $449K | 7.67% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $5.3M | $352K | 6.59% |
| UNITED CITIZENS BANK OF SOUTHERN KENTUCKY, INC. | KY | $6.5M | $375K | 5.73% |
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Construction & Development in Other States
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Texas
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District of Columbia
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