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Distressed Note Industry
Mississippi Construction & Development
Analyzing construction & development loan performance across 171 Mississippi banks
As of Q3 2025, 171 Mississippi banks report construction & development portfolios totaling $20.9B. Non-performing loans in this category total $52.7M — an average NPL ratio of 0.25% — with $65.9M 30-89 days delinquent, $924K 90+ days delinquent, and $51.8M in nonaccrual status. The most distressed lender in this category is BANK OF WINONA (MS) with an NPL ratio of 29.41%.
Total Lenders
171
Total Loan Portfolio
$20.9B
Total NPL
$52.7M
Average NPL %
0.25%
Delinquency Breakdown
30-89 Days
$65.9M
90+ Days
$924K
Nonaccrual
$51.8M
Charge-offs
$6.0M
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 WINONA | MS | $34K | $10K | 29.41% |
| BANK OF WINONA | MS | $34K | $10K | 29.41% |
| BANK OF HOLLY SPRINGS, THE | MS | $8.2M | $529K | 6.42% |
| MERCHANTS & MARINE BANK | MS | $41.3M | $2.6M | 6.30% |
| FIRST BANK | MS | $8.9M | $456K | 5.15% |
| GREAT SOUTHERN BANK | MS | $2.1M | $107K | 5.14% |
| MERCHANTS & MARINE BANK | MS | $56.8M | $2.6M | 4.58% |
| BANK OF FOREST | MS | $12.1M | $401K | 3.32% |
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Construction & Development in Other States
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