BDI

concentration

Construction Concentration to Capital

Construction and land development loans as a percentage of total risk-based capital.

As of Q1 2026FDICLNRECONSFDICRBCSource retrieved 2026-08-01

National median

32%

Middle half

12%60%

Direction

Context dependent

What it means

Why this metric matters

Construction lending can produce severe losses when projects fail. The interagency guidance identifies 100% of capital as a supervisory screening criterion, not a legal limit.

How it is calculated

Formula and source fields

construction / NULLIF(total_risk_based_capital, 0) * 100

Source fields: LNRECONS + RBC. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

2,524 observations · Q1 2026

10th percentile

1%

25th percentile

12%

Median

32%

75th percentile

60%

90th percentile

89%
Quartile markers use every reported value. For readability, values outside the first and ninety-ninth percentiles are collected into the two end bars; rankings retain the exact reported values.The dashed reference marks the interagency construction supervisory criterion from FIL-104-2006. It is a supervisory screening criterion, not a limit or violation finding.

Reported extremes

Highest and lowest banks

These lists describe reported values, not quality rankings. Compare business models and peer groups before drawing conclusions.

Lowest reported values

  1. 1
    State Street Bank and Trust CompanyMA
    0%
  2. 2
    First Security BankIA
    0%
  3. 3
    Citizens State Bank of MilfordIL
    0%
  4. 4
    Blissfield State BankMI
    0%
  5. 5
    Arlington State BankMN
    0%
  6. 6
    Commercial State BankNE
    0%
  7. 7
    First State Bank of Randolph CountyGA
    0%
  8. 8
    Peoples Bank and Trust CompanyOK
    0%
  9. 9
    The Lamesa National BankTX
    0%
  10. 10
    Westamerica BankCA
    0%

Highest reported values

  1. 1
    NorthEast Community BankNY
    384%
  2. 2
    New Century BankKS
    331%
  3. 3
    Hyperion BankPA
    298%
  4. 4
    Fidelity BankIL
    268%
  5. 5
    Bank of NewingtonGA
    242%
  6. 6
    Horizon BankNE
    233%
  7. 7
    The Bank of the WestOK
    221%
  8. 8
    West Point BankKY
    192%
  9. 9
    Citizens BankTX
    185%
  10. 10
    Star BankMN
    175%

Continue exploring

Related metrics

CRE Concentration to CapitalAgricultural Loans to CapitalResidential Loans to CapitalC&I Loans to CapitalMultifamily Loans to Capital