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Distressed Note Industry
South Carolina Commercial & Industrial
Analyzing commercial & industrial loan performance across 82 South Carolina banks
As of Q2 2025, 82 South Carolina banks report commercial & industrial portfolios totaling $12.2B. Non-performing loans in this category total $93.5M — an average NPL ratio of 0.76% — with $32.4M 30-89 days delinquent, $21.7M 90+ days delinquent, and $71.8M in nonaccrual status. The most distressed lender in this category is OPTUS BANK (SC) with an NPL ratio of 6.10%.
Total Lenders
82
Total Loan Portfolio
$12.2B
Total NPL
$93.5M
Average NPL %
0.76%
Delinquency Breakdown
30-89 Days
$32.4M
90+ Days
$21.7M
Nonaccrual
$71.8M
Charge-offs
$40.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial & Industrial in South Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| OPTUS BANK | SC | $184.5M | $11.3M | 6.10% |
| OPTUS BANK | SC | $184.5M | $11.3M | 6.10% |
| ENTERPRISE BANK OF SOUTH CAROLINA | SC | $33.7M | $1.5M | 4.44% |
| ENTERPRISE BANK OF SOUTH CAROLINA | SC | $33.7M | $1.5M | 4.44% |
| COASTAL STATES BANK | SC | $203.2M | $4.3M | 2.09% |
| COASTAL STATES BANK | SC | $203.2M | $4.3M | 2.09% |
| SECURITY FEDERAL BANK | SC | $31.6M | $340K | 1.08% |
| SECURITY FEDERAL BANK | SC | $31.6M | $340K | 1.08% |
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