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Distressed Note Industry
Georgia Agricultural Loans
Analyzing agricultural loans loan performance across 244 Georgia banks
As of Q2 2025, 244 Georgia banks report agricultural loans portfolios totaling $4.8B. Non-performing loans in this category total $49.8M — an average NPL ratio of 1.05% — with $31.6M 30-89 days delinquent, $4.9M 90+ days delinquent, and $44.9M in nonaccrual status. The most distressed lender in this category is PROMISEONE BANK (GA) with an NPL ratio of 18.99%.
Total Lenders
244
Total Loan Portfolio
$4.8B
Total NPL
$49.8M
Average NPL %
1.05%
Delinquency Breakdown
30-89 Days
$31.6M
90+ Days
$4.9M
Nonaccrual
$44.9M
Charge-offs
$1.1M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Georgia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| PROMISEONE BANK | GA | $3.6M | $680K | 18.99% |
| PROMISEONE BANK | GA | $3.6M | $680K | 18.99% |
| CLAXTON BANK, THE | GA | $5.1M | $490K | 9.56% |
| CLAXTON BANK, THE | GA | $5.1M | $490K | 9.56% |
| FARMERS & MERCHANTS BANK | GA | $52.0M | $3.1M | 5.94% |
| FARMERS & MERCHANTS BANK | GA | $52.0M | $3.1M | 5.94% |
| PRIMESOUTH BANK | GA | $42.4M | $2.1M | 4.86% |
| PRIMESOUTH BANK | GA | $42.4M | $2.1M | 4.86% |
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Agricultural Loans in Other States
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District of Columbia
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