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Distressed Note Industry
New York Construction & Development
Analyzing construction & development loan performance across 229 New York banks
As of Q2 2025, 229 New York banks report construction & development portfolios totaling $41.0B. Non-performing loans in this category total $318.4M — an average NPL ratio of 0.78% — with $164.4M 30-89 days delinquent, $23.4M 90+ days delinquent, and $295.0M in nonaccrual status. The most distressed lender in this category is AMALGAMATED BANK (NY) with an NPL ratio of 54.30%.
Total Lenders
229
Total Loan Portfolio
$41.0B
Total NPL
$318.4M
Average NPL %
0.78%
Delinquency Breakdown
30-89 Days
$164.4M
90+ Days
$23.4M
Nonaccrual
$295.0M
Charge-offs
$10.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in New York
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| AMALGAMATED BANK | NY | $20.5M | $11.1M | 54.30% |
| AMALGAMATED BANK | NY | $20.5M | $11.1M | 54.30% |
| SPRING BANK | NY | $4.8M | $1.7M | 36.20% |
| PCSB BANK | NY | $50.2M | $7.8M | 15.45% |
| PCSB BANK | NY | $50.2M | $7.8M | 15.45% |
| SPRING BANK | NY | $17.2M | $1.7M | 10.16% |
| WATERTOWN SAVINGS BANK | NY | $19.2M | $1.2M | 6.27% |
| TOMPKINS COMMUNITY BANK | NY | $343.5M | $17.4M | 5.05% |
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Construction & Development in Other States
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District of Columbia
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