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Distressed Note Industry
Mississippi Commercial & Industrial
Analyzing commercial & industrial loan performance across 114 Mississippi banks
As of Q2 2025, 114 Mississippi banks report commercial & industrial portfolios totaling $44.3B. Non-performing loans in this category total $449.6M — an average NPL ratio of 1.02% — with $233.7M 30-89 days delinquent, $30.2M 90+ days delinquent, and $419.4M in nonaccrual status. The most distressed lender in this category is BANK OF ANGUILLA (MS) with an NPL ratio of 16.28%.
Total Lenders
114
Total Loan Portfolio
$44.3B
Total NPL
$449.6M
Average NPL %
1.02%
Delinquency Breakdown
30-89 Days
$233.7M
90+ Days
$30.2M
Nonaccrual
$419.4M
Charge-offs
$159.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in Mississippi
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANK OF ANGUILLA | MS | $13.3M | $2.2M | 16.28% |
| BANK OF ANGUILLA | MS | $13.3M | $2.2M | 16.28% |
| PEOPLES BANK | MS | $66.0M | $4.4M | 6.67% |
| PEOPLES BANK | MS | $66.0M | $4.4M | 6.67% |
| BANK OF HOLLY SPRINGS, THE | MS | $61.4M | $2.8M | 4.58% |
| BANK OF HOLLY SPRINGS, THE | MS | $61.4M | $2.8M | 4.58% |
| COVINGTON COUNTY BANK | MS | $9.2M | $256K | 2.79% |
| COVINGTON COUNTY BANK | MS | $9.2M | $256K | 2.79% |
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