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Distressed Note Industry
North Carolina Commercial Loans
Analyzing commercial loans loan performance across 141 North Carolina banks
As of Q2 2025, 141 North Carolina banks report commercial loans portfolios totaling $314.1B. Non-performing loans in this category total $6.0B — an average NPL ratio of 1.91% — with $703.2M 30-89 days delinquent, $294.4M 90+ days delinquent, and $5.7B in nonaccrual status. The most distressed lender in this category is LIFESTORE BANK (NC) with an NPL ratio of 9.99%.
Total Lenders
141
Total Loan Portfolio
$314.1B
Total NPL
$6.0B
Average NPL %
1.91%
Delinquency Breakdown
30-89 Days
$703.2M
90+ Days
$294.4M
Nonaccrual
$5.7B
Charge-offs
$1.0B
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in North Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| LIFESTORE BANK | NC | $25.5M | $2.5M | 9.99% |
| FIRST CAROLINA BANK | NC | $283.5M | $17.4M | 6.14% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | NC | $34.1B | $1.8B | 5.21% |
| LIVE OAK BANKING COMPANY | NC | $2.6B | $105.3M | 4.03% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $12.7B | $422.0M | 3.33% |
| LIVE OAK BANKING COMPANY | NC | $4.4B | $135.2M | 3.09% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | NC | $64.8B | $2.0B | 3.06% |
| LIFESTORE BANK | NC | $87.2M | $2.5M | 2.92% |
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Commercial Loans in Other States
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