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Distressed Note Industry
South Carolina Consumer Loans
Analyzing consumer loans loan performance across 86 South Carolina banks
As of Q2 2025, 86 South Carolina banks report consumer loans portfolios totaling $1.4B. Non-performing loans in this category total $10.4M — an average NPL ratio of 0.73% — with $39.0M 30-89 days delinquent, $324K 90+ days delinquent, and $10.1M in nonaccrual status. The most distressed lender in this category is PALMETTO STATE BANK (SC) with an NPL ratio of 1.89%.
Total Lenders
86
Total Loan Portfolio
$1.4B
Total NPL
$10.4M
Average NPL %
0.73%
Delinquency Breakdown
30-89 Days
$39.0M
90+ Days
$324K
Nonaccrual
$10.1M
Charge-offs
$27.7M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in South Carolina
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PALMETTO STATE BANK | SC | $1.9M | $35K | 1.89% |
| BANK OF YORK | SC | $920K | $12K | 1.30% |
| PALMETTO STATE BANK | SC | $2.7M | $35K | 1.29% |
| ANDERSON BROTHERS BANK | SC | $388.4M | $4.6M | 1.18% |
| ANDERSON BROTHERS BANK | SC | $388.4M | $4.6M | 1.18% |
| ARTHUR STATE BANK | SC | $2.3M | $25K | 1.09% |
| ENTERPRISE BANK OF SOUTH CAROLINA | SC | $3.6M | $33K | 0.92% |
| ENTERPRISE BANK OF SOUTH CAROLINA | SC | $3.6M | $33K | 0.92% |
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