BDI

loan mix

Construction Loan Share

Construction and land development loans as a percentage of gross loans.

As of Q1 2026FDICLNRECONSFDICLNLSGRSource retrieved 2026-08-01

National median

5.39%

Middle half

2.23%9.84%

Direction

Context dependent

What it means

Why this metric matters

The share captures one of the most cyclical loan categories. Rapid growth or a high level deserves attention even when current delinquencies are low.

How it is calculated

Formula and source fields

construction / NULLIF(gross_loans, 0) * 100

Source fields: LNRECONS + LNLSGR. Not annualized.

Read the calculation methodology →

National distribution

Across active reporting banks

4,210 observations · Q1 2026

10th percentile

0.22%

25th percentile

2.23%

Median

5.39%

75th percentile

9.84%

90th percentile

14.84%
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
    0.00%
  2. 2
    The Merchants & Planters BankAR
    0.00%
  3. 3
    Security State BankIA
    0.00%
  4. 4
    First Security BankIA
    0.00%
  5. 5
    First Summit BankOK
    0.00%
  6. 6
    Cleo State BankOK
    0.00%
  7. 7
    Western Dakota BankSD
    0.00%
  8. 8
    Citizens State Bank of MilfordIL
    0.00%
  9. 9
    Blissfield State BankMI
    0.00%
  10. 10
    Merchants State BankSD
    0.00%

Highest reported values

  1. 1
    NorthEast Community BankNY
    72.17%
  2. 2
    New Century BankKS
    50.98%
  3. 3
    Bank of South TexasTX
    44.20%
  4. 4
    Horizon BankNE
    43.62%
  5. 5
    South Central State BankNE
    41.87%
  6. 6
    The Cowboy Bank of TexasTX
    40.58%
  7. 7
    First New Mexico Bank of Silver CityNM
    38.84%
  8. 8
    Bank of New EnglandNH
    38.41%
  9. 9
    The Bank of Old MonroeMO
    37.14%
  10. 10
    Exchange BankGA
    36.67%

Continue exploring

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