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Distressed Note Industry
North Dakota Construction & Development
Analyzing construction & development loan performance across 130 North Dakota banks
As of Q3 2025, 130 North Dakota banks report construction & development portfolios totaling $5.1B. Non-performing loans in this category total $149.7M — an average NPL ratio of 2.91% — with $20.8M 30-89 days delinquent, $19.8M 90+ days delinquent, and $129.9M in nonaccrual status. The most distressed lender in this category is BORDER BANK (ND) with an NPL ratio of 34.77%.
Total Lenders
130
Total Loan Portfolio
$5.1B
Total NPL
$149.7M
Average NPL %
2.91%
Delinquency Breakdown
30-89 Days
$20.8M
90+ Days
$19.8M
Nonaccrual
$129.9M
Charge-offs
$1.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in North Dakota
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BORDER BANK | ND | $23.3M | $8.1M | 34.77% |
| BANKNORTH | ND | $2.7M | $760K | 28.00% |
| BORDER BANK | ND | $37.5M | $8.1M | 21.65% |
| SECURITY FIRST BANK OF NORTH DAKOTA | ND | $22.3M | $4.3M | 19.24% |
| SECURITY FIRST BANK OF NORTH DAKOTA | ND | $26.7M | $4.3M | 16.11% |
| ALERUS FINANCIAL, NATIONAL ASSOCIATION | ND | $34.1M | $4.7M | 13.71% |
| FIRST WESTERN BANK AND TRUST | ND | $94.0M | $12.5M | 13.27% |
| BANKNORTH | ND | $6.3M | $760K | 12.03% |
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Construction & Development in Other States
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