Question 1

Which Georgia banks have the most non-performing construction & development?

Accepted Answer

1. RBC BANK (GEORGIA), NATIONAL ASSOCIATION (GA) — 100.00% NPL; 2. RBC BANK (GEORGIA), NATIONAL ASSOCIATION (GA) — 100.00% NPL; 3. COMMUNITY BANK & TRUST - WEST GEORGIA (GA) — 32.63% NPL; 4. COMMUNITY BANK & TRUST - WEST GEORGIA (GA) — 32.35% NPL; 5. FIRST CENTURY BANK, NATIONAL ASSOCIATION (GA) — 21.43% NPL

Question 2

How large is the construction & development market for Georgia banks?

Accepted Answer

As of Q2 2025, 391 Georgia banks report construction & development portfolios totaling $16.6B. Non-performing loans in this category total $50.0M — an average NPL ratio of 0.30% — with $97.5M 30-89 days delinquent, $102K 90+ days delinquent, and $49.9M in nonaccrual status.

Bank Name	State	Portfolio	NPL	NPL %
RBC BANK (GEORGIA), NATIONAL ASSOCIATION	GA	$17K	$17K	100.00%
RBC BANK (GEORGIA), NATIONAL ASSOCIATION	GA	$17K	$17K	100.00%
COMMUNITY BANK & TRUST - WEST GEORGIA	GA	$33.0M	$10.8M	32.63%
COMMUNITY BANK & TRUST - WEST GEORGIA	GA	$33.3M	$10.8M	32.35%
FIRST CENTURY BANK, NATIONAL ASSOCIATION	GA	$14K	$3K	21.43%
SOUTHERN BANK	GA	$7.4M	$1.4M	18.56%
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION	GA	$27.6M	$3.7M	13.58%
AMERICAN COMMERCE BANK, NATIONAL ASSOCIATION	GA	$36.7M	$3.7M	10.20%

Georgia Construction & Development

Delinquency Breakdown

Banks by NPL Ratio

Top Distressed Banks - Construction & Development in Georgia

Construction & Development in Other States

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