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Distressed Note Industry
Maryland Construction & Development
Analyzing construction & development loan performance across 85 Maryland banks
As of Q3 2025, 85 Maryland banks report construction & development portfolios totaling $7.3B. Non-performing loans in this category total $143.0M — an average NPL ratio of 1.95% — with $25.1M 30-89 days delinquent, $6.5M 90+ days delinquent, and $136.5M in nonaccrual status. The most distressed lender in this category is CECIL BANK (MD) with an NPL ratio of 84.26%.
Total Lenders
85
Total Loan Portfolio
$7.3B
Total NPL
$143.0M
Average NPL %
1.95%
Delinquency Breakdown
30-89 Days
$25.1M
90+ Days
$6.5M
Nonaccrual
$136.5M
Charge-offs
$63.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Maryland
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CECIL BANK | MD | $1.1M | $942K | 84.26% |
| CECIL BANK | MD | $1.1M | $942K | 84.26% |
| EAGLEBANK | MD | $1.4B | $55.9M | 3.96% |
| EAGLEBANK | MD | $1.5B | $60.5M | 3.93% |
| CAPITAL BANK, NATIONAL ASSOCIATION | MD | $219.2M | $8.1M | 3.68% |
| EAGLEBANK | MD | $128.1M | $4.6M | 3.59% |
| CAPITAL BANK, NATIONAL ASSOCIATION | MD | $335.1M | $8.7M | 2.58% |
| FIRST SHORE FEDERAL SAVINGS AND LOAN ASSOCIATION | MD | $11.7M | $100K | 0.86% |
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