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Distressed Note Industry
Georgia Residential Real Estate
Analyzing residential real estate loan performance across 460 Georgia banks
As of Q3 2025, 460 Georgia banks report residential real estate portfolios totaling $57.7B. Non-performing loans in this category total $449.0M — an average NPL ratio of 0.78% — with $358.4M 30-89 days delinquent, $9.5M 90+ days delinquent, and $439.5M in nonaccrual status. The most distressed lender in this category is SOUTH GEORGIA BANKING COMPANY (GA) with an NPL ratio of 15.30%.
Total Lenders
460
Total Loan Portfolio
$57.7B
Total NPL
$449.0M
Average NPL %
0.78%
Delinquency Breakdown
30-89 Days
$358.4M
90+ Days
$9.5M
Nonaccrual
$439.5M
Charge-offs
$8.5M
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 | $281K | $43K | 15.30% |
| FIRST NATIONAL COMMUNITY BANK | GA | $1.7M | $208K | 12.13% |
| CITIZENS COMMUNITY BANK | GA | $1.6M | $152K | 9.30% |
| FIRST STATE BANK OF BLAKELY | GA | $1.9M | $117K | 6.22% |
| FARMERS & MERCHANTS BANK | GA | $14.7M | $821K | 5.59% |
| FARMERS & MERCHANTS BANK | GA | $14.8M | $821K | 5.53% |
| COMMUNITY BANK & TRUST - WEST GEORGIA | GA | $6.8M | $373K | 5.51% |
| SYNOVUS BANK | GA | $17.4M | $957K | 5.49% |
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Residential Real Estate in Other States
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