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Distressed Note Industry
Montana Construction & Development
Analyzing construction & development loan performance across 97 Montana banks
As of Q3 2025, 97 Montana banks report construction & development portfolios totaling $9.9B. Non-performing loans in this category total $44.4M — an average NPL ratio of 0.45% — with $50.1M 30-89 days delinquent, $1.5M 90+ days delinquent, and $42.9M in nonaccrual status. The most distressed lender in this category is FARMERS STATE BANK (MT) with an NPL ratio of 6.63%.
Total Lenders
97
Total Loan Portfolio
$9.9B
Total NPL
$44.4M
Average NPL %
0.45%
Delinquency Breakdown
30-89 Days
$50.1M
90+ Days
$1.5M
Nonaccrual
$42.9M
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 % |
|---|---|---|---|---|
| FARMERS STATE BANK | MT | $13.6M | $903K | 6.63% |
| VALLEY BANK OF KALISPELL | MT | $8.6M | $374K | 4.33% |
| FARMERS STATE BANK | MT | $48.5M | $903K | 1.86% |
| THREE RIVERS BANK OF MONTANA | MT | $25.9M | $456K | 1.76% |
| VALLEY BANK OF KALISPELL | MT | $24.1M | $374K | 1.55% |
| STOCKMAN BANK OF MONTANA | MT | $894.6M | $11.6M | 1.30% |
| STOCKMAN BANK OF MONTANA | MT | $1.1B | $11.6M | 1.05% |
| THREE RIVERS BANK OF MONTANA | MT | $47.5M | $456K | 0.96% |
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