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Distressed Note Industry
Mississippi Construction & Development
Analyzing construction & development loan performance across 173 Mississippi banks
As of Q2 2025, 173 Mississippi banks report construction & development portfolios totaling $21.5B. Non-performing loans in this category total $82.1M — an average NPL ratio of 0.38% — with $71.5M 30-89 days delinquent, $5.6M 90+ days delinquent, and $76.5M in nonaccrual status. The most distressed lender in this category is BANK OF HOLLY SPRINGS, THE (MS) with an NPL ratio of 8.68%.
Total Lenders
173
Total Loan Portfolio
$21.5B
Total NPL
$82.1M
Average NPL %
0.38%
Delinquency Breakdown
30-89 Days
$71.5M
90+ Days
$5.6M
Nonaccrual
$76.5M
Charge-offs
$2.2M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Mississippi
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANK OF HOLLY SPRINGS, THE | MS | $9.6M | $834K | 8.68% |
| GUARANTY BANK AND TRUST COMPANY | MS | $144.4M | $10.8M | 7.48% |
| GUARANTY BANK AND TRUST COMPANY | MS | $233.5M | $11.1M | 4.75% |
| FIRST BANK | MS | $13.9M | $456K | 3.29% |
| BNA BANK | MS | $14.4M | $469K | 3.27% |
| GREAT SOUTHERN BANK | MS | $3.3M | $107K | 3.25% |
| COMMERCIAL BANK, THE | MS | $8.4M | $236K | 2.80% |
| CITIZENS NATIONAL BANK OF MERIDIAN, THE | MS | $116.4M | $3.2M | 2.79% |
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