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Distressed Note Industry
South Carolina Commercial Loans
Analyzing commercial loans loan performance across 166 South Carolina banks
As of Q2 2025, 166 South Carolina banks report commercial loans portfolios totaling $32.1B. Non-performing loans in this category total $96.8M — an average NPL ratio of 0.30% — with $30.9M 30-89 days delinquent, $874K 90+ days delinquent, and $95.9M in nonaccrual status. The most distressed lender in this category is ENTERPRISE BANK OF SOUTH CAROLINA (SC) with an NPL ratio of 100.00%.
Total Lenders
166
Total Loan Portfolio
$32.1B
Total NPL
$96.8M
Average NPL %
0.30%
Delinquency Breakdown
30-89 Days
$30.9M
90+ Days
$874K
Nonaccrual
$95.9M
Charge-offs
$6.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in South Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| ENTERPRISE BANK OF SOUTH CAROLINA | SC | $6K | $6K | 100.00% |
| OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION | SC | $23.9M | $747K | 3.12% |
| COUNTYBANK | SC | $38.5M | $947K | 2.46% |
| ABBEVILLE FIRST BANK, SSB | SC | $9.2M | $203K | 2.20% |
| COASTAL STATES BANK | SC | $175.5M | $3.2M | 1.85% |
| SECURITY FEDERAL BANK | SC | $156.0M | $2.7M | 1.75% |
| OCONEE FEDERAL SAVINGS AND LOAN ASSOCIATION | SC | $45.3M | $747K | 1.65% |
| ABBEVILLE FIRST BANK, SSB | SC | $13.0M | $203K | 1.56% |
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