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Distressed Note Industry
Alabama Consumer Loans
Analyzing consumer loans loan performance across 201 Alabama banks
As of Q2 2025, 201 Alabama banks report consumer loans portfolios totaling $3.7B. Non-performing loans in this category total $45.5M — an average NPL ratio of 1.23% — with $51.1M 30-89 days delinquent, $41.2M 90+ days delinquent, and $4.3M in nonaccrual status. The most distressed lender in this category is DOZIER BANK (AL) with an NPL ratio of 14.86%.
Total Lenders
201
Total Loan Portfolio
$3.7B
Total NPL
$45.5M
Average NPL %
1.23%
Delinquency Breakdown
30-89 Days
$51.1M
90+ Days
$41.2M
Nonaccrual
$4.3M
Charge-offs
$72.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Alabama
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| DOZIER BANK | AL | $249K | $37K | 14.86% |
| DOZIER BANK | AL | $249K | $37K | 14.86% |
| EVABANK | AL | $725K | $58K | 8.00% |
| EVABANK | AL | $725K | $58K | 8.00% |
| BRANTLEY BANK & TRUST COMPANY | AL | $1.3M | $102K | 7.66% |
| BRANTLEY BANK & TRUST COMPANY | AL | $1.3M | $102K | 7.66% |
| CITIZENS BANK, THE | AL | $1.8M | $134K | 7.39% |
| CITIZENS BANK, THE | AL | $1.8M | $134K | 7.39% |
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Consumer Loans in Other States
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District of Columbia
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