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Distressed Note Industry
New Jersey Construction & Development
Analyzing construction & development loan performance across 119 New Jersey banks
As of Q2 2025, 119 New Jersey banks report construction & development portfolios totaling $16.8B. Non-performing loans in this category total $218.8M — an average NPL ratio of 1.30% — with $115.0M 30-89 days delinquent, $3.7M 90+ days delinquent, and $215.1M in nonaccrual status. The most distressed lender in this category is BOGOTA SAVINGS BANK (NJ) with an NPL ratio of 43.93%.
Total Lenders
119
Total Loan Portfolio
$16.8B
Total NPL
$218.8M
Average NPL %
1.30%
Delinquency Breakdown
30-89 Days
$115.0M
90+ Days
$3.7M
Nonaccrual
$215.1M
Charge-offs
$6.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in New Jersey
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BOGOTA SAVINGS BANK | NJ | $24.8M | $10.9M | 43.93% |
| BOGOTA SAVINGS BANK | NJ | $25.8M | $10.9M | 42.28% |
| CROWN BANK | NJ | $71.4M | $10.4M | 14.59% |
| CROWN BANK | NJ | $72.2M | $10.4M | 14.42% |
| MANASQUAN BANK | NJ | $103.7M | $9.9M | 9.53% |
| FIRST COMMERCE BANK | NJ | $113.9M | $7.0M | 6.12% |
| FIRST COMMERCE BANK | NJ | $133.2M | $7.0M | 5.23% |
| OCEANFIRST BANK, NATIONAL ASSOCIATION | NJ | $203.2M | $8.7M | 4.28% |
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