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Distressed Note Industry
North Carolina Construction & Development
Analyzing construction & development loan performance across 113 North Carolina banks
As of Q3 2025, 113 North Carolina banks report construction & development portfolios totaling $59.1B. Non-performing loans in this category total $217.3M — an average NPL ratio of 0.37% — with $146.0M 30-89 days delinquent, $40.3M 90+ days delinquent, and $177.0M in nonaccrual status. The most distressed lender in this category is HOMETRUST BANK (NC) with an NPL ratio of 0.79%.
Total Lenders
113
Total Loan Portfolio
$59.1B
Total NPL
$217.3M
Average NPL %
0.37%
Delinquency Breakdown
30-89 Days
$146.0M
90+ Days
$40.3M
Nonaccrual
$177.0M
Charge-offs
$2.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in North Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HOMETRUST BANK | NC | $168.5M | $1.3M | 0.79% |
| TRUIST BANK | NC | $7.8B | $43.0M | 0.55% |
| HOMETRUST BANK | NC | $320.1M | $1.7M | 0.55% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $383.0M | $2.0M | 0.52% |
| TRUIST BANK | NC | $8.5B | $43.0M | 0.50% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $6.3B | $31.0M | 0.49% |
| FIRST-CITIZENS BANK & TRUST COMPANY | NC | $5.9B | $29.0M | 0.49% |
| LUMBEE GUARANTY BANK | NC | $8.3M | $26K | 0.31% |
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Construction & Development in Other States
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