Bank Risk Screener

US Banks Ranked by Construction Loan Concentration

Construction loans — the financing for projects not yet generating rental income — are the highest-loss-severity sub-segment of commercial real estate. The 2006 Interagency Guidance flags banks with construction loans exceeding 100% of total risk-based capital for heightened supervisory attention. Most US bank failures since 1980 with a CRE component have involved heavy construction-loan exposure: the 1990s S&L crisis, the 2008–2011 wave of failures, and several 2023–24 community-bank failures all featured banks concentrated in construction lending. This page ranks every FDIC-insured US commercial bank by construction-to-capital ratio.

100In Stress Band

0On Watch

0Within Norms

100Total Ranked

#	Bank	HQ	Asset Tier	Construction Loans / Total Capital	Band
1	MAUCH CHUNK TRUST COMPANY	JIM THORPE, PA	Medium	536.63%	STRESS
2	NORTHEAST COMMUNITY BANK	WHITE PLAINS, NY	Large	386.17%	STRESS
3	BANK OF CADIZ AND TRUST COMPANY	CADIZ, KY	Small	380.09%	STRESS
4	BANK OF OLD MONROE, THE	OLD MONROE, MO	Medium	378.34%	STRESS
5	PHENIX-GIRARD BANK	PHENIX CITY, AL	Small	366.83%	STRESS
6	HYPERION BANK	PHILADELPHIA, PA	Medium	332.30%	STRESS
7	FIDELITY BANK	SAVANNA, IL	Small	324.07%	STRESS
8	EXCHANGE BANK	MILLEDGEVILLE, GA	Small	281.42%	STRESS
9	BANK OF NEWINGTON	NEWINGTON, GA	Small	270.96%	STRESS
10	BANK OF THE WEST, THE	THOMAS, OK	Small	244.22%	STRESS
11	WEST POINT BANK	RADCLIFF, KY	Medium	241.03%	STRESS
12	KS BANK, INC.	SMITHFIELD, NC	Medium	237.62%	STRESS
13	FIRST SERVICE BANK	GREENBRIER, AR	Medium	230.08%	STRESS
14	HORIZON BANK	WAVERLY, NE	Medium	225.41%	STRESS
15	FARMERS STATE BANK OF CALHAN	CALHAN, CO	Small	225.19%	STRESS
16	OKLAHOMA CAPITAL BANK	TULSA, OK	Small	222.48%	STRESS
17	BANK OF SUNSET & TRUST COMPANY	SUNSET, LA	Small	219.40%	STRESS
18	FIRST NATIONAL BANK OF LAKE JACKSON	LAKE JACKSON, TX	Small	218.43%	STRESS
19	YAMPA VALLEY BANK	STEAMBOAT SPRINGS, CO	Medium	217.55%	STRESS
20	LEGENDS WEST BANK	LEWELLEN, NE	Small	215.20%	STRESS
21	CITIZENS BANK	KILGORE, TX	Small	210.54%	STRESS
22	RIVER CITY BANK, INC.	LOUISVILLE, KY	Small	210.02%	STRESS
23	TEXAS BANK	HENDERSON, TX	Medium	208.19%	STRESS
24	BANK OF NEW ENGLAND	SALEM, NH	Large	206.50%	STRESS
25	DUNDEE BANK	OMAHA, NE	Medium	204.81%	STRESS
26	FIRST COMMUNITY BANK OF CENTRAL ALABAMA	WETUMPKA, AL	Medium	203.99%	STRESS
27	PEOPLES BANK, THE	TAYLORSVILLE, KY	Small	203.31%	STRESS
28	AMERICAN BANK & TRUST COMPANY INC.	BOWLING GREEN, KY	Medium	198.91%	STRESS
29	MERCHANTS AND FARMERS BANK	DUMAS, AR	Small	194.48%	STRESS
30	LEGACY BANK & TRUST COMPANY	MOUNTAIN GROVE, MO	Large	194.27%	STRESS
31	PEOPLES BANK & TRUST	BUFORD, GA	Medium	193.29%	STRESS
32	MEADE COUNTY BANK, INC.	BRANDENBURG, KY	Small	190.01%	STRESS
33	The Piedmont Bank	Peachtree Corners, GA	Large	188.48%	STRESS
34	PARAGON BANK	MEMPHIS, TN	Medium	188.05%	STRESS
35	FIRST COMMUNITY BANK	BATESVILLE, AR	Large	187.66%	STRESS
36	First National Bank	Wichita Falls, TX	Large	187.29%	STRESS
37	AMERICAN BANK OF COMMERCE	WOLFFORTH, TX	Large	186.70%	STRESS
38	CHARTER BANK	CORPUS CHRISTI, TX	Small	185.65%	STRESS
39	BANK OF ZACHARY	ZACHARY, LA	Small	185.54%	STRESS
40	BANK 21	CARROLLTON, MO	Small	182.51%	STRESS
41	NORTHVIEW BANK	SANDSTONE, MN	Small	182.03%	STRESS
42	GAINEY BUSINESS BANK	SCOTTSDALE, AZ	Small	181.90%	STRESS
43	PEOPLESSOUTH BANK	COLQUITT, GA	Large	181.87%	STRESS
44	SOUTH CENTRAL STATE BANK	CAMPBELL, NE	Small	181.37%	STRESS
45	STAR BANK	MAPLE LAKE, MN	Small	180.81%	STRESS
46	CITIZENS STATE BANK	WOODVILLE, TX	Small	180.12%	STRESS
47	FIRST COMMERCE BANK	LEWISBURG, TN	Medium	178.02%	STRESS
48	HARDIN COUNTY SAVINGS BANK	ELDORA, IA	Small	178.01%	STRESS
49	FARMERS & MERCHANTS BANK	LAKELAND, GA	Medium	177.56%	STRESS
50	FIRST WESTERN BANK	BOONEVILLE, AR	Medium	176.76%	STRESS
51	PORTAGE BANK	BELLEVUE, WA	Small	176.74%	STRESS
52	FIRST FINANCIAL BANK	BESSEMER, AL	Small	174.99%	STRESS
53	TRINITY CAPITAL BANK OF TEXAS	ENNIS, TX	Small	174.97%	STRESS
54	UNITED BANK	SPRINGDALE, AR	Small	174.72%	STRESS
55	CB&S BANK, INC.	RUSSELLVILLE, AL	Large	174.59%	STRESS
56	COMMUNITY BANK	BRISTOW, OK	Small	174.14%	STRESS
57	FINANCIAL FEDERAL BANK	MEMPHIS, TN	Large	172.79%	STRESS
58	NBT FINANCIAL BANK	FORT WORTH, TX	Medium	171.95%	STRESS
59	PEOPLES STATE BANK	SHEPHERD, TX	Small	171.67%	STRESS
60	AMERICAN BANK OF FREEDOM	WELLSVILLE, MO	Medium	171.48%	STRESS
61	CITIZENS TRI-COUNTY BANK	DUNLAP, TN	Large	169.20%	STRESS
62	HERITAGE COMMUNITY BANK	UNION, MO	Small	168.59%	STRESS
63	ANDERSON BROTHERS BANK	MULLINS, SC	Large	168.28%	STRESS
64	RACCOON VALLEY BANK	PERRY, IA	Small	168.15%	STRESS
65	GATEWAY BANK	RISON, AR	Small	167.59%	STRESS
66	YNB	YUKON, OK	Small	167.55%	STRESS
67	BANK OF MADISON	MADISON, GA	Small	167.05%	STRESS
68	BANK OF SOUTH TEXAS	MCALLEN, TX	Small	166.84%	STRESS
69	SULLIVAN BANK	SULLIVAN, MO	Large	166.76%	STRESS
70	TRUSTAR BANK	GREAT FALLS, VA	Large	165.92%	STRESS
71	COMMUNITY STATE BANK	ANKENY, IA	Large	165.63%	STRESS
72	ONE WORLD BANK	DALLAS, TX	Small	165.54%	STRESS
73	FIRST TEXAS NATIONAL BANK	FLOYDADA, TX	Small	165.50%	STRESS
74	BRENHAM NATIONAL BANK, THE	BRENHAM, TX	Medium	164.99%	STRESS
75	FIRST ENTERPRISE BANK	OKLAHOMA CITY, OK	Small	164.71%	STRESS
76	HOME STATE BANK	JEFFERSON, IA	Small	164.61%	STRESS
77	SECURITY STATE BANK & TRUST	FREDERICKSBURG, TX	Large	163.97%	STRESS
78	NATIONAL BANK & TRUST	LA GRANGE, TX	Small	163.64%	STRESS
79	FIRST STATE BANK OF TEXAS	ORANGE, TX	Small	163.21%	STRESS
80	BRANNEN BANK	INVERNESS, FL	Large	162.64%	STRESS
81	PUTNAM 1ST MERCANTILE BANK	COOKEVILLE, TN	Small	162.04%	STRESS
82	HYDEN CITIZENS BANK, INC	HYDEN, KY	Small	161.67%	STRESS
83	WORTHINGTON BANK	ARLINGTON, TX	Medium	161.42%	STRESS
84	BENCHMARK COMMUNITY BANK	KENBRIDGE, VA	Large	160.58%	STRESS
85	MEGA BANK	SAN GABRIEL, CA	Medium	160.39%	STRESS
86	VILLAGE BANK, THE	AUBURNDALE, MA	Large	160.14%	STRESS
87	AMERIFIRST BANK	MONTGOMERY, AL	Small	159.67%	STRESS
88	TRUSTTEXAS BANK, S.S.B.	CUERO, TX	Small	159.29%	STRESS
89	FIRSTIER BANK	KIMBALL, NE	Large	159.19%	STRESS
90	SELECT BANK	FOREST, VA	Medium	159.06%	STRESS
91	FIRST CHOICE BANK	PONTOTOC, MS	Medium	156.42%	STRESS
92	MIDSOUTH BANK	DOTHAN, AL	Medium	154.78%	STRESS
93	STOCKMAN BANK OF MONTANA	MILES CITY, MT	Large	154.69%	STRESS
94	CITIZENS COMMUNITY BANK	HAHIRA, GA	Small	153.76%	STRESS
95	COWBOY BANK OF TEXAS, THE	MAYPEARL, TX	Small	153.33%	STRESS
96	INTERBANK	OKLAHOMA CITY, OK	Large	152.57%	STRESS
97	LEGACY BANK	COLWICH, KS	Medium	152.43%	STRESS
98	MIDWEST REGIONAL BANK	CLAYTON, MO	Medium	152.41%	STRESS
99	CENTRAL STATE BANK	CALERA, AL	Medium	151.67%	STRESS
100	HERITAGE BANK, INC.	ERLANGER, KY	Large	151.05%	STRESS

Methodology

Computed as construction_loans / total_equity × 100 from the most-recent call report filing. Note that total risk-based capital (the regulatory denominator) typically runs slightly above total equity for most banks; the 100% supervisory threshold uses RBC and this screener uses equity, so values here are typically modestly higher than the supervisory metric. Excludes banks with no construction loans on file.

Source authority: FFIEC Call Report Schedule RC-C item 1.a (construction, land development, and other land loans) divided by total risk-based capital. The 100% threshold derives from the 2006 Interagency Guidance on CRE concentrations, where construction is identified as the highest-loss-severity CRE sub-segment.

Frequently asked

Why is construction loan concentration the most-watched CRE metric?

Construction loans finance projects that are not yet generating operating cash flow — repayment depends on the borrower's ability to complete the project AND lease or sell the finished property. When demand drops or rates rise, both can fail. Historical loss severities on stressed construction loans (40–60% of par) run double those on stabilized commercial properties, which is why supervisors treat them as a separate concentration category.

What did the 2006 Interagency Guidance say about construction loans?

The guidance flagged construction-loan concentrations above 100% of total risk-based capital as a supervisory trigger. Banks crossing this threshold are expected to demonstrate enhanced underwriting standards, stronger portfolio-level stress testing, and senior-management oversight commensurate with the heightened credit risk.

Are there safe ways to run high construction concentration?

Yes — community banks in growing metros with sophisticated construction-lending teams, deep market knowledge, conservative loan-to-cost ratios, and granular project diversification can operate well above 100% safely. The supervisory expectation isn't to avoid concentration; it's to match concentration with infrastructure that justifies it.

Explore other risk screeners: CRE Concentration · Uninsured Deposits · AOCI Burden · Construction Concentration

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