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Distressed Note Industry
Texas Construction & Development
Analyzing construction & development loan performance across 460 Texas banks
As of Q3 2025, 460 Texas banks report construction & development portfolios totaling $43.2B. Non-performing loans in this category total $196.5M — an average NPL ratio of 0.46% — with $203.9M 30-89 days delinquent, $12.5M 90+ days delinquent, and $184.1M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK OF EAGLE LAKE, THE (TX) with an NPL ratio of 31.89%.
Total Lenders
460
Total Loan Portfolio
$43.2B
Total NPL
$196.5M
Average NPL %
0.46%
Delinquency Breakdown
30-89 Days
$203.9M
90+ Days
$12.5M
Nonaccrual
$184.1M
Charge-offs
$21.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST NATIONAL BANK OF EAGLE LAKE, THE | TX | $6.7M | $2.1M | 31.89% |
| STOCKMENS NATIONAL BANK IN COTULLA | TX | $4.6M | $1.1M | 22.81% |
| CYPRESS BANK, SSB | TX | $12.1M | $2.4M | 20.08% |
| WELLINGTON STATE BANK | TX | $35.1M | $6.4M | 18.33% |
| T BANK, NATIONAL ASSOCIATION | TX | $93.3M | $15.6M | 16.76% |
| KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE | TX | $55.2M | $7.3M | 13.28% |
| GILMER NATIONAL BANK | TX | $41.7M | $3.8M | 9.04% |
| FIRST NATIONAL BANK OF HUGHES SPRINGS, THE | TX | $9.3M | $765K | 8.19% |
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Construction & Development in Other States
Alabama
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District of Columbia
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