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Distressed Note Industry
South Carolina Construction & Development
Analyzing construction & development loan performance across 125 South Carolina banks
As of Q3 2025, 125 South Carolina banks report construction & development portfolios totaling $8.2B. Non-performing loans in this category total $12.6M — an average NPL ratio of 0.15% — with $17.3M 30-89 days delinquent, $42K 90+ days delinquent, and $12.6M in nonaccrual status. The most distressed lender in this category is BLUE RIDGE BANK (SC) with an NPL ratio of 6.99%.
Total Lenders
125
Total Loan Portfolio
$8.2B
Total NPL
$12.6M
Average NPL %
0.15%
Delinquency Breakdown
30-89 Days
$17.3M
90+ Days
$42K
Nonaccrual
$12.6M
Charge-offs
$1.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in South Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BLUE RIDGE BANK | SC | $3.7M | $257K | 6.99% |
| FIRST NATIONAL BANK OF SOUTH CAROLINA | SC | $5.0M | $284K | 5.65% |
| BLUE RIDGE BANK | SC | $7.3M | $257K | 3.53% |
| FIRST NATIONAL BANK OF SOUTH CAROLINA | SC | $16.1M | $284K | 1.77% |
| SECURITY FEDERAL BANK | SC | $48.5M | $437K | 0.90% |
| HOME FEDERAL SAVINGS AND LOAN ASSOCIATION | SC | $1.9M | $15K | 0.80% |
| HOME FEDERAL SAVINGS AND LOAN ASSOCIATION | SC | $1.9M | $15K | 0.80% |
| SECURITY FEDERAL BANK | SC | $68.9M | $471K | 0.68% |
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Construction & Development in Other States
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