My Work
Distressed Note Industry
Georgia Consumer Loans
Analyzing consumer loans loan performance across 278 Georgia banks
As of Q2 2025, 278 Georgia banks report consumer loans portfolios totaling $1.9B. Non-performing loans in this category total $20.8M — an average NPL ratio of 1.12% — with $29.4M 30-89 days delinquent, $12.4M 90+ days delinquent, and $8.4M in nonaccrual status. The most distressed lender in this category is CLAXTON BANK, THE (GA) with an NPL ratio of 11.26%.
Total Lenders
278
Total Loan Portfolio
$1.9B
Total NPL
$20.8M
Average NPL %
1.12%
Delinquency Breakdown
30-89 Days
$29.4M
90+ Days
$12.4M
Nonaccrual
$8.4M
Charge-offs
$25.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Consumer Loans in Georgia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| CLAXTON BANK, THE | GA | $231K | $26K | 11.26% |
| CLAXTON BANK, THE | GA | $231K | $26K | 11.26% |
| SYNOVUS BANK | GA | $14.9M | $1.5M | 10.37% |
| CITIZENS TRUST BANK | GA | $2.6M | $166K | 6.29% |
| FIRST BANK OF COASTAL GEORGIA | GA | $163K | $10K | 6.13% |
| CITIZENS TRUST BANK | GA | $4.7M | $256K | 5.43% |
| FIRST BANK OF COASTAL GEORGIA | GA | $186K | $10K | 5.38% |
| FIRST NATIONAL BANK OF WAYNESBORO, THE | GA | $376K | $20K | 5.32% |
Sign in to view all distressed banks and detailed subcategory breakdowns
Consumer Loans in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
BankProspector
Search every U.S. bank and credit union. Find direct contacts. Track portfolios. Close deals. All in one platform.
© 2026 BankProspector. All rights reserved.