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Distressed Note Industry
Georgia Commercial Loans
Analyzing commercial loans loan performance across 473 Georgia banks
As of Q2 2025, 473 Georgia banks report commercial loans portfolios totaling $80.1B. Non-performing loans in this category total $444.5M — an average NPL ratio of 0.56% — with $168.7M 30-89 days delinquent, $78.8M 90+ days delinquent, and $365.7M in nonaccrual status. The most distressed lender in this category is FIRST STATE BANK OF RANDOLPH COUNTY (GA) with an NPL ratio of 21.29%.
Total Lenders
473
Total Loan Portfolio
$80.1B
Total NPL
$444.5M
Average NPL %
0.56%
Delinquency Breakdown
30-89 Days
$168.7M
90+ Days
$78.8M
Nonaccrual
$365.7M
Charge-offs
$49.8M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Commercial Loans in Georgia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST STATE BANK OF RANDOLPH COUNTY | GA | $4.9M | $1.1M | 21.29% |
| FIRST STATE BANK OF RANDOLPH COUNTY | GA | $5.4M | $1.1M | 19.48% |
| COMMUNITY BANK & TRUST - WEST GEORGIA | GA | $55.9M | $9.8M | 17.45% |
| COMMUNITY BANK & TRUST - WEST GEORGIA | GA | $68.2M | $9.8M | 14.30% |
| BANK OF EDISON, THE | GA | $3.4M | $340K | 9.88% |
| FARMERS & MERCHANTS BANK | GA | $82.4M | $5.2M | 6.36% |
| FLINT COMMUNITY BANK | GA | $66.5M | $4.0M | 6.03% |
| BANK OF EDISON, THE | GA | $7.4M | $436K | 5.91% |
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