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 capital (Tier 1 plus the allowance) 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.

Data as of Q2 2026 call reports. Ranked highest first; closed charters are excluded. Across the 3,687 ranked banks, the median Construction Loans / Tier 1 Capital + Allowance is 32.93%, and 264 are in the stress band. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.

264In Stress Band

934On Watch

2,489Within Norms

3,687Total Ranked

How the bands work. Within norms: 50% or lower. On watch: above 50% up to 100%. In stress: above 100%. These are screening cutoffs, not supervisory ratings.

Showing the top 100 of 3,687 ranked banks. Create a free account or sign in to see every ranked bank.

#	Bank	HQ	Asset Tier	Construction Loans / Tier 1 Capital + Allowance	Band
1	Northeast Community Bank	White Plains, NY	4: $1B-10B	399.55%	STRESS
2	Oklahoma Capital Bank	Tulsa, OK	5: $100M-1B	287.53%	STRESS
3	Fidelity Bank	Savanna, IL	5: $100M-1B	284.71%	STRESS
4	Hyperion Bank	Philadelphia, PA	5: $100M-1B	250.08%	STRESS
5	Bank of Newington	Newington, GA	5: $100M-1B	227.52%	STRESS
6	The Bank of the West	Thomas, OK	5: $100M-1B	213.79%	STRESS
7	Horizon Bank	Waverly, NE	5: $100M-1B	206.99%	STRESS
8	First Service Bank	Greenbrier, AR	4: $1B-10B	206.40%	STRESS
9	Exchange Bank	Milledgeville, GA	5: $100M-1B	205.25%	STRESS
10	Eagle Valley Bank	Griggsville, IL	5: $100M-1B	204.05%	STRESS
11	Legends West Bank	Lewellen, NE	5: $100M-1B	201.32%	STRESS
12	Legacy Bank & Trust Company	Mountain Grove, MO	4: $1B-10B	195.73%	STRESS
13	The Bank of Old Monroe	Old Monroe, MO	5: $100M-1B	195.38%	STRESS
14	Texas Bank	Henderson, TX	5: $100M-1B	194.93%	STRESS
15	Bank of Sunset & Trust Company	Sunset, LA	5: $100M-1B	189.45%	STRESS
16	Dundee Bank	Omaha, NE	5: $100M-1B	187.41%	STRESS
17	KS Bank, Inc.	Smithfield, NC	5: $100M-1B	186.67%	STRESS
18	Bank of South Texas	McAllen, TX	5: $100M-1B	186.31%	STRESS
19	Bank of New England	Salem, NH	4: $1B-10B	185.76%	STRESS
20	South Central State Bank	Campbell, NE	5: $100M-1B	184.74%	STRESS
21	West Point Bank	Radcliff, KY	5: $100M-1B	184.60%	STRESS
22	Ubank	Huntington, TX	4: $1B-10B	183.24%	STRESS
23	Yampa Valley Bank	Steamboat Springs, CO	5: $100M-1B	182.51%	STRESS
24	Merchants and Farmers Bank	Dumas, AR	5: $100M-1B	172.79%	STRESS
25	Northview Bank	Sandstone, MN	5: $100M-1B	172.64%	STRESS
26	Paragon Bank	Memphis, TN	5: $100M-1B	172.06%	STRESS
27	American Bank & Trust Company Inc.	Bowling Green, KY	5: $100M-1B	171.72%	STRESS
28	Bank 21	Carrollton, MO	5: $100M-1B	168.97%	STRESS
29	First State Bank of Texas	Orange, TX	5: $100M-1B	167.78%	STRESS
30	Sullivan Bank	Sullivan, MO	4: $1B-10B	164.33%	STRESS
31	NBT Financial Bank	Fort Worth, TX	5: $100M-1B	163.18%	STRESS
32	Star Bank	Maple Lake, MN	5: $100M-1B	162.94%	STRESS
33	River City Bank, Inc.	Louisville, KY	5: $100M-1B	162.68%	STRESS
34	Meade County Bank, Inc.	Brandenburg, KY	5: $100M-1B	160.90%	STRESS
35	Community State Bank	Ankeny, IA	4: $1B-10B	159.62%	STRESS
36	First Western Bank	Booneville, AR	5: $100M-1B	159.41%	STRESS
37	Citizens State Bank	Woodville, TX	5: $100M-1B	157.43%	STRESS
38	One World Bank	Dallas, TX	5: $100M-1B	156.56%	STRESS
39	Bank of Billings	Billings, MO	5: $100M-1B	155.85%	STRESS
40	Portage Bank	Bellevue, WA	5: $100M-1B	154.67%	STRESS
41	Community Bank	Bristow, OK	5: $100M-1B	154.08%	STRESS
42	Community First Bank of Indiana	Kokomo, IN	5: $100M-1B	153.40%	STRESS
43	Peoples Bank & Trust	Buford, GA	5: $100M-1B	152.95%	STRESS
44	First Commerce Bank	Lewisburg, TN	5: $100M-1B	152.57%	STRESS
45	United Bank	Springdale, AR	5: $100M-1B	151.99%	STRESS
46	Anderson Brothers Bank	Mullins, SC	4: $1B-10B	151.11%	STRESS
47	McClain Bank	Purcell, OK	5: $100M-1B	151.07%	STRESS
48	Farmers State Bank of Calhan	Calhan, CO	5: $100M-1B	149.92%	STRESS
49	Bank of Little Rock	Little Rock, AR	5: $100M-1B	149.33%	STRESS
50	Citizens Bank	Kilgore, TX	5: $100M-1B	149.05%	STRESS
51	YNB	Yukon, OK	5: $100M-1B	148.79%	STRESS
52	Worthington Bank	Arlington, TX	5: $100M-1B	148.67%	STRESS
53	Gateway Bank	Rison, AR	5: $100M-1B	147.73%	STRESS
54	Farmers & Merchants Bank	Lakeland, GA	5: $100M-1B	147.69%	STRESS
55	Ciera Bank	Graham, TX	5: $100M-1B	147.47%	STRESS
56	Firstier Bank	Kimball, NE	4: $1B-10B	147.08%	STRESS
57	Financial Federal Bank	Memphis, TN	4: $1B-10B	146.93%	STRESS
58	Raccoon Valley Bank	Perry, IA	5: $100M-1B	146.51%	STRESS
59	The Federal Savings Bank	Chicago, IL	4: $1B-10B	146.32%	STRESS
60	American Bank of Freedom	Wellsville, MO	5: $100M-1B	145.85%	STRESS
61	Select Bank	Forest, VA	5: $100M-1B	145.65%	STRESS
62	Trustar Bank	Great Falls, VA	4: $1B-10B	144.71%	STRESS
63	Ponce Bank, N.A.	Bronx, NY	4: $1B-10B	144.29%	STRESS
64	American Bank	Covington, LA	5: $100M-1B	144.19%	STRESS
65	Stockman Bank of Montana	Miles City, MT	4: $1B-10B	144.04%	STRESS
66	Amerifirst Bank	Montgomery, AL	5: $100M-1B	143.34%	STRESS
67	Community Bank of Pickens County	Jasper, GA	5: $100M-1B	143.11%	STRESS
68	Interbank	Oklahoma City, OK	4: $1B-10B	142.99%	STRESS
69	Legacy Bank	Colwich, KS	5: $100M-1B	142.82%	STRESS
70	Mega Bank	San Gabriel, CA	5: $100M-1B	141.76%	STRESS
71	Benchmark Community Bank	Kenbridge, VA	4: $1B-10B	141.40%	STRESS
72	First Enterprise Bank	Oklahoma City, OK	5: $100M-1B	139.08%	STRESS
73	Premier Bank N.A.	Omaha, NE	5: $100M-1B	138.40%	STRESS
74	Midwest Regional Bank	Clayton, MO	5: $100M-1B	138.20%	STRESS
75	Resource Bank	Covington, LA	5: $100M-1B	137.85%	STRESS
76	Peoples State Bank	Shepherd, TX	5: $100M-1B	137.15%	STRESS
77	Lakeside Bank	Chicago, IL	4: $1B-10B	137.05%	STRESS
78	Bedford Federal Savings Bank	Bedford, IN	5: $100M-1B	136.64%	STRESS
79	United Republic Bank	Omaha, NE	5: $100M-1B	135.91%	STRESS
80	South Atlantic Bank	Myrtle Beach, SC	4: $1B-10B	135.44%	STRESS
81	American Bank of Commerce	Wolfforth, TX	4: $1B-10B	135.40%	STRESS
82	Citizens Tri-County Bank	Dunlap, TN	4: $1B-10B	135.13%	STRESS
83	First Resource Bank	Exton, PA	5: $100M-1B	134.88%	STRESS
84	Goldwater Bank, N.A.	Phoenix, AZ	5: $100M-1B	134.53%	STRESS
85	Bank of Monticello	Monticello, GA	5: $100M-1B	133.87%	STRESS
86	First Westroads Bank, Inc.	Omaha, NE	5: $100M-1B	133.57%	STRESS
87	Security State Bank & Trust	Fredericksburg, TX	4: $1B-10B	133.54%	STRESS
88	Pinnacle Bank	Fort Worth, TX	4: $1B-10B	133.00%	STRESS
89	Grand Savings Bank	Grove, OK	4: $1B-10B	132.86%	STRESS
90	Adelphi Bank	Columbus, OH	5: $100M-1B	132.41%	STRESS
91	Mid-America Bank	Baldwin City, KS	5: $100M-1B	132.01%	STRESS
92	The Village Bank	Auburndale, MA	4: $1B-10B	131.94%	STRESS
93	Heritage Community Bank	Union, MO	5: $100M-1B	131.22%	STRESS
94	Bank of Madison	Madison, GA	5: $100M-1B	131.10%	STRESS
95	Evergreen National Bank	Evergreen, CO	5: $100M-1B	130.86%	STRESS
96	First National Bank of Brookfield	Brookfield, IL	5: $100M-1B	130.60%	STRESS
97	Taylorsville Savings Bank, SSB	Taylorsville, NC	5: $100M-1B	130.22%	STRESS
98	Farmers Trust and Savings Bank	Spencer, IA	5: $100M-1B	130.02%	STRESS
99	Bank of Zachary	Zachary, LA	5: $100M-1B	128.96%	STRESS
100	Craft Bank	Atlanta, GA	5: $100M-1B	128.89%	STRESS

Methodology

Computed as construction, land development, and other land loans (Schedule RC-C item 1.a) divided by Tier 1 capital plus the allowance for credit losses, times 100, from each bank's most recent call report. That is the denominator the FFIEC UBPR uses to measure the 2006 guidance's 100% test, and the one in the column header above. 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 Tier 1 capital plus the allowance for credit losses, the FFIEC UBPR page 7B basis. Until September 2026 this page divided by total equity, which understated the ratio for most banks. 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 at 100% or more of total capital as a supervisory trigger; the UBPR measures that capital as Tier 1 capital plus the allowance. 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 screeners: CRE Concentration · Uninsured Deposits · AOCI Burden · Agricultural Concentration · Loan Sale Prospects · OREO Prospects

Or browse: bank directory · all rankings · metric glossary