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Distressed Note Industry
Alabama Construction & Development
Analyzing construction & development loan performance across 275 Alabama banks
As of Q3 2025, 275 Alabama banks report construction & development portfolios totaling $15.4B. Non-performing loans in this category total $130.2M — an average NPL ratio of 0.84% — with $28.1M 30-89 days delinquent, $6.0M 90+ days delinquent, and $124.1M in nonaccrual status. The most distressed lender in this category is BHM BANK (AL) with an NPL ratio of 74.25%.
Total Lenders
275
Total Loan Portfolio
$15.4B
Total NPL
$130.2M
Average NPL %
0.84%
Delinquency Breakdown
30-89 Days
$28.1M
90+ Days
$6.0M
Nonaccrual
$124.1M
Charge-offs
$8.3M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Alabama
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BHM BANK | AL | $532K | $395K | 74.25% |
| BHM BANK | AL | $1.0M | $395K | 39.38% |
| NOBLEBANK & TRUST | AL | $11.0M | $1.4M | 13.09% |
| FIRST FINANCIAL BANK | AL | $15.2M | $1.8M | 12.17% |
| FIRST FINANCIAL BANK | AL | $16.2M | $1.8M | 11.41% |
| SOUTHPOINT BANK | AL | $50.6M | $4.6M | 9.15% |
| FIRST SOUTHERN BANK | AL | $28.1M | $1.7M | 5.90% |
| FIRST BANK OF ALABAMA | AL | $11.5M | $668K | 5.82% |
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Construction & Development in Other States
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