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Distressed Note Industry
Georgia Residential Real Estate
Analyzing residential real estate loan performance across 459 Georgia banks
As of Q2 2025, 459 Georgia banks report residential real estate portfolios totaling $56.8B. Non-performing loans in this category total $391.5M — an average NPL ratio of 0.69% — with $384.0M 30-89 days delinquent, $6.5M 90+ days delinquent, and $384.9M in nonaccrual status. The most distressed lender in this category is SOUTH GEORGIA BANKING COMPANY (GA) with an NPL ratio of 11.75%.
Total Lenders
459
Total Loan Portfolio
$56.8B
Total NPL
$391.5M
Average NPL %
0.69%
Delinquency Breakdown
30-89 Days
$384.0M
90+ Days
$6.5M
Nonaccrual
$384.9M
Charge-offs
$5.5M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Residential Real Estate in Georgia
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SOUTH GEORGIA BANKING COMPANY | GA | $366K | $43K | 11.75% |
| FIRST NATIONAL COMMUNITY BANK | GA | $1.9M | $213K | 10.97% |
| CARVER STATE BANK | GA | $10.7M | $777K | 7.28% |
| CITIZENS BANK OF AMERICUS | GA | $270K | $18K | 6.67% |
| CARVER STATE BANK | GA | $11.7M | $777K | 6.62% |
| GEORGIA FIRST BANK | GA | $2.4M | $151K | 6.32% |
| FIRST STATE BANK OF BLAKELY | GA | $1.9M | $116K | 6.00% |
| COMMUNITY BANK & TRUST - WEST GEORGIA | GA | $6.9M | $393K | 5.73% |
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Residential Real Estate in Other States
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