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Distressed Note Industry
Alabama Commercial Loans
Analyzing commercial loans loan performance across 353 Alabama banks
As of Q3 2025, 353 Alabama banks report commercial loans portfolios totaling $60.5B. Non-performing loans in this category total $665.6M — an average NPL ratio of 1.10% — with $186.0M 30-89 days delinquent, $7.8M 90+ days delinquent, and $657.9M in nonaccrual status. The most distressed lender in this category is FARMERS & MERCHANTS BANK (AL) with an NPL ratio of 100.00%.
Total Lenders
353
Total Loan Portfolio
$60.5B
Total NPL
$665.6M
Average NPL %
1.10%
Delinquency Breakdown
30-89 Days
$186.0M
90+ Days
$7.8M
Nonaccrual
$657.9M
Charge-offs
$153.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Alabama
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FARMERS & MERCHANTS BANK | AL | $76K | $76K | 100.00% |
| SOUTHERN BANK COMPANY, THE | AL | $2.8M | $656K | 23.35% |
| 22ND STATE BANKING COMPANY | AL | $12.6M | $2.6M | 20.32% |
| FIRST COMMUNITY BANK OF CENTRAL ALABAMA | AL | $4.1M | $782K | 18.93% |
| CITIZENS BANK, THE | AL | $2.1M | $273K | 12.77% |
| CITIZENS BANK, THE | AL | $2.2M | $273K | 12.18% |
| FARMERS & MERCHANTS BANK | AL | $923K | $76K | 8.23% |
| SOUTHERN BANK COMPANY, THE | AL | $9.7M | $656K | 6.79% |
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