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Distressed Note Industry
Texas Construction & Development
Analyzing construction & development loan performance across 464 Texas banks
As of Q2 2025, 464 Texas banks report construction & development portfolios totaling $44.5B. Non-performing loans in this category total $195.4M — an average NPL ratio of 0.44% — with $189.6M 30-89 days delinquent, $27.3M 90+ days delinquent, and $168.2M in nonaccrual status. The most distressed lender in this category is FIRST NATIONAL BANK OF EAGLE LAKE, THE (TX) with an NPL ratio of 26.12%.
Total Lenders
464
Total Loan Portfolio
$44.5B
Total NPL
$195.4M
Average NPL %
0.44%
Delinquency Breakdown
30-89 Days
$189.6M
90+ Days
$27.3M
Nonaccrual
$168.2M
Charge-offs
$17.9M
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 | $8.2M | $2.1M | 26.12% |
| STOCKMENS NATIONAL BANK IN COTULLA | TX | $4.5M | $1.0M | 22.78% |
| CYPRESS BANK, SSB | TX | $10.9M | $2.4M | 22.39% |
| T BANK, NATIONAL ASSOCIATION | TX | $88.0M | $16.1M | 18.31% |
| BROADSTREET BANK, SSB | TX | $54.0M | $9.3M | 17.23% |
| KARNES COUNTY NATIONAL BANK OF KARNES CITY, THE | TX | $52.8M | $7.9M | 14.95% |
| FIRST NATIONAL BANK OF ANDERSON, THE | TX | $19.1M | $2.9M | 14.93% |
| FIRST FEDERAL COMMUNITY BANK, SSB | TX | $28.0M | $4.0M | 14.37% |
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Construction & Development in Other States
Alabama
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Rhode Island
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Tennessee
Utah
Vermont
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Washington
West Virginia
Wisconsin
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District of Columbia
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