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Distressed Note Industry
Utah Construction & Development
Analyzing construction & development loan performance across 68 Utah banks
As of Q3 2025, 68 Utah banks report construction & development portfolios totaling $13.2B. Non-performing loans in this category total $18.9M — an average NPL ratio of 0.14% — with $27.4M 30-89 days delinquent, $300K 90+ days delinquent, and $18.6M in nonaccrual status. The most distressed lender in this category is LENDINGCLUB BANK, NATIONAL ASSOCIATION (UT) with an NPL ratio of 8.31%.
Total Lenders
68
Total Loan Portfolio
$13.2B
Total NPL
$18.9M
Average NPL %
0.14%
Delinquency Breakdown
30-89 Days
$27.4M
90+ Days
$300K
Nonaccrual
$18.6M
Charge-offs
$2K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Utah
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $49.5M | $4.1M | 8.31% |
| LENDINGCLUB BANK, NATIONAL ASSOCIATION | UT | $49.5M | $4.1M | 8.31% |
| CAPITAL COMMUNITY BANK | UT | $69.0M | $4.8M | 6.98% |
| CAPITAL COMMUNITY BANK | UT | $93.9M | $4.8M | 5.12% |
| STATE BANK OF SOUTHERN UTAH | UT | $312.8M | $264K | 0.08% |
| STATE BANK OF SOUTHERN UTAH | UT | $383.1M | $264K | 0.07% |
| ZIONS BANCORPORATION, NATIONAL ASSOCIATION | UT | $2.2B | $265K | 0.01% |
| ZIONS BANCORPORATION, NATIONAL ASSOCIATION | UT | $3.4B | $265K | 0.01% |
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Construction & Development in Other States
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District of Columbia
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