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Distressed Note Industry
West Virginia Construction & Development
Analyzing construction & development loan performance across 125 West Virginia banks
As of Q2 2025, 125 West Virginia banks report construction & development portfolios totaling $5.4B. Non-performing loans in this category total $47.4M — an average NPL ratio of 0.88% — with $7.2M 30-89 days delinquent, $238K 90+ days delinquent, and $47.1M in nonaccrual status. The most distressed lender in this category is MVB BANK, INC. (WV) with an NPL ratio of 13.39%.
Total Lenders
125
Total Loan Portfolio
$5.4B
Total NPL
$47.4M
Average NPL %
0.88%
Delinquency Breakdown
30-89 Days
$7.2M
90+ Days
$238K
Nonaccrual
$47.1M
Charge-offs
$730K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in West Virginia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| MVB BANK, INC. | WV | $103.1M | $13.8M | 13.39% |
| FIRST EXCHANGE BANK | WV | $583K | $72K | 12.35% |
| BANK OF ROMNEY, THE | WV | $6.0M | $658K | 11.05% |
| BANK OF MONROE, THE | WV | $2.7M | $269K | 9.96% |
| CAPON VALLEY BANK | WV | $12.3M | $1.2M | 9.83% |
| PENDLETON COMMUNITY BANK, INC. | WV | $28.2M | $2.1M | 7.56% |
| MVB BANK, INC. | WV | $230.7M | $13.8M | 5.98% |
| CAPON VALLEY BANK | WV | $24.1M | $1.2M | 5.04% |
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Construction & Development in Other States
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