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Distressed Note Industry
Oklahoma Construction & Development
Analyzing construction & development loan performance across 428 Oklahoma banks
As of Q3 2025, 428 Oklahoma banks report construction & development portfolios totaling $19.8B. Non-performing loans in this category total $221.9M — an average NPL ratio of 1.12% — with $91.8M 30-89 days delinquent, $28.1M 90+ days delinquent, and $193.8M in nonaccrual status. The most distressed lender in this category is FNB COMMUNITY BANK (OK) with an NPL ratio of 80.36%.
Total Lenders
428
Total Loan Portfolio
$19.8B
Total NPL
$221.9M
Average NPL %
1.12%
Delinquency Breakdown
30-89 Days
$91.8M
90+ Days
$28.1M
Nonaccrual
$193.8M
Charge-offs
$21.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Oklahoma
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FNB COMMUNITY BANK | OK | $8.1M | $6.5M | 80.36% |
| BANK OF VICI | OK | $288K | $170K | 59.03% |
| BANK OF VICI | OK | $327K | $170K | 51.99% |
| FNB COMMUNITY BANK | OK | $24.7M | $6.5M | 26.17% |
| SPIRITBANK | OK | $19.5M | $4.4M | 22.35% |
| CITY NATIONAL BANK AND TRUST COMPANY OF LAWTON, OKLAHOMA, THE | OK | $6.5M | $1.4M | 20.73% |
| SECURITY FIRST NATIONAL BANK OF HUGO | OK | $15.7M | $3.2M | 20.30% |
| IDABEL NATIONAL BANK, THE | OK | $28.5M | $5.8M | 20.18% |
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Construction & Development in Other States
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