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Distressed Note Industry
Alabama Commercial & Industrial
Analyzing commercial & industrial loan performance across 190 Alabama banks
As of Q2 2025, 190 Alabama banks report commercial & industrial portfolios totaling $70.6B. Non-performing loans in this category total $871.7M — an average NPL ratio of 1.23% — with $286.4M 30-89 days delinquent, $49.5M 90+ days delinquent, and $822.2M in nonaccrual status. The most distressed lender in this category is MERCHANTS & FARMERS BANK OF GREENE COUNTY (AL) with an NPL ratio of 7.39%.
Total Lenders
190
Total Loan Portfolio
$70.6B
Total NPL
$871.7M
Average NPL %
1.23%
Delinquency Breakdown
30-89 Days
$286.4M
90+ Days
$49.5M
Nonaccrual
$822.2M
Charge-offs
$268.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Alabama
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| MERCHANTS & FARMERS BANK OF GREENE COUNTY | AL | $13.0M | $962K | 7.39% |
| MERCHANTS & FARMERS BANK OF GREENE COUNTY | AL | $13.0M | $962K | 7.39% |
| 22ND STATE BANK | AL | $74.5M | $5.3M | 7.07% |
| 22ND STATE BANK | AL | $74.5M | $5.3M | 7.07% |
| FIRST US BANK | AL | $20.2M | $1.4M | 6.96% |
| FIRST US BANK | AL | $20.2M | $1.4M | 6.96% |
| PEOPLES EXCHANGE BANK | AL | $11.7M | $687K | 5.86% |
| PEOPLES EXCHANGE BANK | AL | $11.7M | $687K | 5.86% |
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