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Distressed Note Industry
Montana Construction & Development
Analyzing construction & development loan performance across 99 Montana banks
As of Q2 2025, 99 Montana banks report construction & development portfolios totaling $9.5B. Non-performing loans in this category total $54.3M — an average NPL ratio of 0.57% — with $88.6M 30-89 days delinquent, $7.6M 90+ days delinquent, and $46.7M in nonaccrual status. The most distressed lender in this category is LITTLE HORN STATE BANK (MT) with an NPL ratio of 13.05%.
Total Lenders
99
Total Loan Portfolio
$9.5B
Total NPL
$54.3M
Average NPL %
0.57%
Delinquency Breakdown
30-89 Days
$88.6M
90+ Days
$7.6M
Nonaccrual
$46.7M
Charge-offs
$2.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Montana
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LITTLE HORN STATE BANK | MT | $11.4M | $1.5M | 13.05% |
| FIRST MONTANA BANK, INC. | MT | $4.4M | $476K | 10.93% |
| FARMERS STATE BANK | MT | $12.5M | $920K | 7.37% |
| LITTLE HORN STATE BANK | MT | $36.7M | $1.5M | 4.04% |
| OPPORTUNITY BANK OF MONTANA | MT | $47.3M | $1.3M | 2.81% |
| FIRST MONTANA BANK, INC. | MT | $21.3M | $476K | 2.24% |
| FARMERS STATE BANK | MT | $41.9M | $920K | 2.20% |
| STOCKMAN BANK OF MONTANA | MT | $846.3M | $13.2M | 1.56% |
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