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Distressed Note Industry
North Carolina Construction & Development
Analyzing construction & development loan performance across 112 North Carolina banks
As of Q2 2025, 112 North Carolina banks report construction & development portfolios totaling $59.0B. Non-performing loans in this category total $170.3M — an average NPL ratio of 0.29% — with $144.5M 30-89 days delinquent, $50.3M 90+ days delinquent, and $120.0M in nonaccrual status. The most distressed lender in this category is HOMETRUST BANK (NC) with an NPL ratio of 0.83%.
Total Lenders
112
Total Loan Portfolio
$59.0B
Total NPL
$170.3M
Average NPL %
0.29%
Delinquency Breakdown
30-89 Days
$144.5M
90+ Days
$50.3M
Nonaccrual
$120.0M
Charge-offs
$454K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in North Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HOMETRUST BANK | NC | $160.6M | $1.3M | 0.83% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $5.7B | $46.0M | 0.81% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $6.1B | $48.0M | 0.78% |
| HOMETRUST BANK | NC | $322.7M | $1.8M | 0.54% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $401.0M | $2.0M | 0.50% |
| LUMBEE GUARANTY BANK | NC | $8.2M | $29K | 0.35% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | NC | $10.0B | $32.0M | 0.32% |
| BANK OF AMERICA, NATIONAL ASSOCIATION | NC | $10.4B | $32.0M | 0.31% |
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Construction & Development in Other States
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