Question-and-Answer Session
Operator
(Operator Instructions) Our first question comes from [Gordon Beasley] from Generational Wealth.
Gordon Beasley - Generational Wealth
Hey, Peter, Randy. Just quickly addressing period end allowance for loan losses. If I read it right it is around $26 million versus MPAs and 90 day greater past dues of about $85 or so million.
Peter Converse
No the $26 million was quarter end June 30.
Gordon Beasley - Generational Wealth
Okay. That probably answers my question. Where is [peer] then to 9/30? I might have missed it.
Peter Converse
$32.6 million.
Gordon Beasley - Generational Wealth
32.6 versus 85. And any idea off the top of your head where that might stand compared to your peer group?
Peter Converse
Much closer.
Steve Reeder
Probably compared to our National Peer Group. Gordon, I haven't seen the September numbers. As you know this is a fairly dynamic market across the country. The National Peer Group in June was about 1.35. I would expect that when we get everyone's numbers in September, that would be up a few basis points.
Gordon Beasley - Generational Wealth
Yes, I agree. Okay. Thank you.
Operator
Our next question comes from Allan Bach from Davenport & Company.
Allan Bach - Davenport & Company
Hey, guys, thanks for taking my call. Just wondering if you wouldn't mind shedding a little bit more color on what you're seeing in the commercial real estate portfolio?
Peter Converse
Sure, be happy to. I'm going to break it down between commercial real estate construction and the commercial real estate income property and owner-occupied. On the income property and owner-occupied side, we have been I might say pleasantly surprised that our delinquencies and our problem loan situations have been very manageable. On the commercial construction side, we had a couple of surprises -- obvious from the numbers in the third quarter.
Both of these actually related to activities of the borrowers that we were not involved in, related to residential construction and residential development that unfortunately impacted their financial position, their ability to carry the debt to the point where those loans became nonperforming. That amounted to $[20] million of the increase in nonperformance in commercial construction.
Allan Bach - Davenport & Company
Then I guess in your comments in the press release you had increased your guidance for NPAs, I guess, from 3% up to 4%. Was that primarily due to commercial real estate construction? Or is there anything else that is involved with that increase?
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