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Distressed Note Industry
Tennessee Construction & Development
Analyzing construction & development loan performance across 345 Tennessee banks
As of Q2 2025, 345 Tennessee banks report construction & development portfolios totaling $28.4B. Non-performing loans in this category total $159.9M — an average NPL ratio of 0.56% — with $188.6M 30-89 days delinquent, $5.9M 90+ days delinquent, and $154.0M in nonaccrual status. The most distressed lender in this category is BANK OF DICKSON (TN) with an NPL ratio of 73.65%.
Total Lenders
345
Total Loan Portfolio
$28.4B
Total NPL
$159.9M
Average NPL %
0.56%
Delinquency Breakdown
30-89 Days
$188.6M
90+ Days
$5.9M
Nonaccrual
$154.0M
Charge-offs
$10.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Tennessee
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANK OF DICKSON | TN | $2.3M | $1.7M | 73.65% |
| BANK OF DICKSON | TN | $6.3M | $1.7M | 26.34% |
| FIRST VISION BANK OF TENNESSEE | TN | $29.4M | $5.2M | 17.56% |
| BANK OF FRANKEWING | TN | $22.4M | $3.9M | 17.39% |
| HERITAGE BANK & TRUST | TN | $3.4M | $564K | 16.36% |
| FIRST VISION BANK OF TENNESSEE | TN | $41.9M | $5.2M | 12.33% |
| BANK OF FRANKEWING | TN | $38.5M | $4.2M | 10.88% |
| FIRST NATIONAL BANK OF MIDDLE TENNESSEE | TN | $30.3M | $2.9M | 9.46% |
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Construction & Development in Other States
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