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Distressed Note Industry
Pennsylvania Construction & Development
Analyzing construction & development loan performance across 310 Pennsylvania banks
As of Q2 2025, 310 Pennsylvania banks report construction & development portfolios totaling $23.6B. Non-performing loans in this category total $256.4M — an average NPL ratio of 1.09% — with $83.4M 30-89 days delinquent, $1.8M 90+ days delinquent, and $254.6M in nonaccrual status. The most distressed lender in this category is CITIZENS & NORTHERN BANK (PA) with an NPL ratio of 10.26%.
Total Lenders
310
Total Loan Portfolio
$23.6B
Total NPL
$256.4M
Average NPL %
1.09%
Delinquency Breakdown
30-89 Days
$83.4M
90+ Days
$1.8M
Nonaccrual
$254.6M
Charge-offs
$23.6M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Pennsylvania
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CITIZENS & NORTHERN BANK | PA | $23.6M | $2.4M | 10.26% |
| QNB BANK | PA | $85.6M | $6.3M | 7.35% |
| MERIDIAN BANK | PA | $94.5M | $6.4M | 6.76% |
| CITIZENS & NORTHERN BANK | PA | $130.6M | $8.8M | 6.73% |
| CITIZENS & NORTHERN BANK | PA | $107.0M | $6.4M | 5.95% |
| QNB BANK | PA | $116.0M | $6.3M | 5.43% |
| ATLANTIC COMMUNITY BANKERS BANK | PA | $24.8M | $1.2M | 4.80% |
| SOMERSET TRUST COMPANY | PA | $73.4M | $3.3M | 4.56% |
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Construction & Development in Other States
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