BDI

loan mix

Construction and Land Development Loans

Loans financing construction, land development, and other land projects.

As of Q1 2026FDICLNRECONSSource retrieved 2026-08-01

National median

$14M

Middle half

$2.76M$51.5M

Direction

Context dependent

What it means

Why this metric matters

Construction loans depend on projects being completed, sold, or refinanced. Loss severity can rise sharply when development stalls.

How it is calculated

Formula and source fields

LNRECONS

Source field: LNRECONS. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,245 observations · Q1 2026

10th percentile

$139K

25th percentile

$2.76M

Median

$14M

75th percentile

$51.5M

90th percentile

$158M
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.

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
    The Merchants & Planters BankAR
    $0
  3. 3
    Security State BankIA
    $0
  4. 4
    First Security BankIA
    $0
  5. 5
    First Summit BankOK
    $0
  6. 6
    Cleo State BankOK
    $0
  7. 7
    Western Dakota BankSD
    $0
  8. 8
    Citizens State Bank of MilfordIL
    $0
  9. 9
    Blissfield State BankMI
    $0
  10. 10
    Merchants State BankSD
    $0

Highest reported values

  1. 1
    JPMorgan Chase Bank, National AssociationOH
    $19B
  2. 2
    Wells Fargo Bank, National AssociationSD
    $13.5B
  3. 3
    Bank of America, National AssociationNC
    $9.7B
  4. 4
    U.S. Bank National AssociationOH
    $8.9B
  5. 5
    Fifth Third Bank, National AssociationOH
    $8.01B
  6. 6
    Truist BankNC
    $7.99B
  7. 7
    Citibank, National AssociationSD
    $7.85B
  8. 8
    First-Citizens Bank & Trust CompanyNC
    $7.25B
  9. 9
    Bank OZKAR
    $7.11B
  10. 10
    Pinnacle BankTN
    $5.56B

Continue exploring

Related metrics

Owner-Occupied CRE LoansOwner-Occupied CRE ShareNonowner-Occupied CRE LoansNonowner-Occupied CRE ShareMultifamily Real Estate Loans