Question 1

Which South Carolina banks have the most non-performing construction & development?

Accepted Answer

1. FIRST NATIONAL BANK OF SOUTH CAROLINA (SC) — 7.76% NPL; 2. FIRST NATIONAL BANK OF SOUTH CAROLINA (SC) — 1.97% NPL; 3. SECURITY FEDERAL BANK (SC) — 0.68% NPL; 4. SECURITY FEDERAL BANK (SC) — 0.56% NPL; 5. CBL STATE SAVINGS BANK (SC) — 0.42% NPL

Question 2

How large is the construction & development market for South Carolina banks?

Accepted Answer

As of Q2 2025, 127 South Carolina banks report construction & development portfolios totaling $8.2B. Non-performing loans in this category total $8.3M — an average NPL ratio of 0.10% — with $10.9M 30-89 days delinquent, $42K 90+ days delinquent, and $8.3M in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
FIRST NATIONAL BANK OF SOUTH CAROLINA	SC	$3.7M	$284K	7.76%
FIRST NATIONAL BANK OF SOUTH CAROLINA	SC	$14.4M	$284K	1.97%
SECURITY FEDERAL BANK	SC	$81.5M	$550K	0.68%
SECURITY FEDERAL BANK	SC	$104.6M	$591K	0.56%
CBL STATE SAVINGS BANK	SC	$4.9M	$21K	0.42%
COUNTYBANK	SC	$12.2M	$50K	0.41%
COUNTYBANK	SC	$15.9M	$50K	0.32%
CBL STATE SAVINGS BANK	SC	$7.5M	$21K	0.28%

South Carolina Construction & Development

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Construction & Development in South Carolina

Construction & Development in Other States

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