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Distressed Note Industry
Alabama Construction & Development
Analyzing construction & development loan performance across 274 Alabama banks
As of Q2 2025, 274 Alabama banks report construction & development portfolios totaling $16.9B. Non-performing loans in this category total $71.6M — an average NPL ratio of 0.42% — with $115.4M 30-89 days delinquent, $12.9M 90+ days delinquent, and $58.6M in nonaccrual status. The most distressed lender in this category is CITIZENS BANK, THE (AL) with an NPL ratio of 93.00%.
Total Lenders
274
Total Loan Portfolio
$16.9B
Total NPL
$71.6M
Average NPL %
0.42%
Delinquency Breakdown
30-89 Days
$115.4M
90+ Days
$12.9M
Nonaccrual
$58.6M
Charge-offs
$7.5M
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 % |
|---|---|---|---|---|
| CITIZENS BANK, THE | AL | $100K | $93K | 93.00% |
| CITIZENS BANK, THE | AL | $100K | $93K | 93.00% |
| ALAMERICA BANK | AL | $561K | $397K | 70.77% |
| ALAMERICA BANK | AL | $1.0M | $397K | 38.77% |
| FIRST FINANCIAL BANK | AL | $13.1M | $1.9M | 14.21% |
| FIRST FINANCIAL BANK | AL | $13.7M | $1.9M | 13.63% |
| SOUTHPOINT BANK | AL | $52.7M | $4.8M | 9.20% |
| HNB FIRST BANK | AL | $7.7M | $569K | 7.38% |
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Construction & Development in Other States
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