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Distressed Note Industry
Pennsylvania Construction & Development
Analyzing construction & development loan performance across 292 Pennsylvania banks
As of Q3 2025, 292 Pennsylvania banks report construction & development portfolios totaling $23.6B. Non-performing loans in this category total $184.9M — an average NPL ratio of 0.78% — with $62.8M 30-89 days delinquent, $2.8M 90+ days delinquent, and $182.0M in nonaccrual status. The most distressed lender in this category is BRENTWOOD BANK (PA) with an NPL ratio of 36.25%.
Total Lenders
292
Total Loan Portfolio
$23.6B
Total NPL
$184.9M
Average NPL %
0.78%
Delinquency Breakdown
30-89 Days
$62.8M
90+ Days
$2.8M
Nonaccrual
$182.0M
Charge-offs
$41.4M
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 % |
|---|---|---|---|---|
| BRENTWOOD BANK | PA | $822K | $298K | 36.25% |
| BRENTWOOD BANK | PA | $1.1M | $298K | 26.23% |
| CITIZENS & NORTHERN BANK | PA | $24.4M | $2.4M | 9.96% |
| MERIDIAN BANK | PA | $102.3M | $7.7M | 7.54% |
| QNB BANK | PA | $90.1M | $6.3M | 6.99% |
| CITIZENS & NORTHERN BANK | PA | $134.7M | $8.8M | 6.54% |
| CITIZENS & NORTHERN BANK | PA | $110.3M | $6.4M | 5.79% |
| ATLANTIC COMMUNITY BANKERS BANK | PA | $21.8M | $1.2M | 5.46% |
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Construction & Development in Other States
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