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Distressed Note Industry
Kentucky Construction & Development
Analyzing construction & development loan performance across 349 Kentucky banks
As of Q3 2025, 349 Kentucky banks report construction & development portfolios totaling $10.5B. Non-performing loans in this category total $34.3M — an average NPL ratio of 0.33% — with $32.8M 30-89 days delinquent, $2.9M 90+ days delinquent, and $31.3M in nonaccrual status. The most distressed lender in this category is FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION (KY) with an NPL ratio of 74.55%.
Total Lenders
349
Total Loan Portfolio
$10.5B
Total NPL
$34.3M
Average NPL %
0.33%
Delinquency Breakdown
30-89 Days
$32.8M
90+ Days
$2.9M
Nonaccrual
$31.3M
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 | $389K | $290K | 74.55% |
| FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION | KY | $801K | $290K | 36.20% |
| BANK OF HINDMAN | KY | $5.0M | $424K | 8.40% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $3.9M | $293K | 7.42% |
| CITIZENS GUARANTY BANK | KY | $12.7M | $802K | 6.30% |
| BANK OF CADIZ AND TRUST COMPANY | KY | $5.3M | $304K | 5.69% |
| FIRST NATIONAL BANK OF MANCHESTER, THE | KY | $8.2M | $457K | 5.60% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $5.7M | $293K | 5.15% |
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Construction & Development in Other States
Alabama
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Rhode Island
South Carolina
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Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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