Smaller Banks Hold The Most Residential Construction Loans

Big banks have less of a hold on the residential construction industry than they once had.

According to NAHB analysis of Federal Deposit Insurance Corporation (FDIC) data, smaller banks, with assets of less than $10 billion, have the largest proportion of residential construction loans at FDIC-insured institutions, at 64 percent.

Larger banks, with assets of more than $10 billion, have 36 percent of residential construction loans, which is down from 47 percent in 2009.

In 2016, 1-4 residential construction loan balances on the balance sheets of FDIC-insured banks totaled $69.6 billion.

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