My Work
Distressed Note Industry
Georgia Construction & Development
Analyzing construction & development loan performance across 390 Georgia banks
As of Q3 2025, 390 Georgia banks report construction & development portfolios totaling $16.7B. Non-performing loans in this category total $43.0M — an average NPL ratio of 0.26% — with $22.3M 30-89 days delinquent, $3.8M 90+ days delinquent, and $39.2M in nonaccrual status. The most distressed lender in this category is BANK OF DUDLEY (GA) with an NPL ratio of 14.00%.
Total Lenders
390
Total Loan Portfolio
$16.7B
Total NPL
$43.0M
Average NPL %
0.26%
Delinquency Breakdown
30-89 Days
$22.3M
90+ Days
$3.8M
Nonaccrual
$39.2M
Charge-offs
$2.0M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Construction & Development in Georgia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| BANK OF DUDLEY | GA | $28.5M | $4.0M | 14.00% |
| AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION | GA | $29.1M | $3.7M | 12.73% |
| FARMERS BANK, THE | GA | $5.1M | $625K | 12.21% |
| BANK OF DUDLEY | GA | $38.3M | $4.0M | 10.44% |
| FARMERS & MERCHANTS BANK | GA | $8.8M | $889K | 10.09% |
| AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION | GA | $38.1M | $3.7M | 9.71% |
| SOUTH GEORGIA BANK | GA | $6.7M | $537K | 8.00% |
| FLINT COMMUNITY BANK | GA | $6.6M | $384K | 5.84% |
Sign in to view all distressed banks and detailed subcategory breakdowns
Construction & Development 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.