The catalogue › United States › Southeast › Georgia
The state note · prepared 7 September 2026

Georgia

124 banks and 72 credit unions read from their latest filings, every institution ranked against the rest of the state.

Small-business lending ↓

Banks

124 banks filing · read from the 30 June 2026 Call Report
124
banks filing
$105B in assets
+8.1%
Loans, year over year
median; 57 above 10%, 14 shrinking
31.0%
CRE / loans
median
79.3%
Loans / deposits
median
0.38%
NPA / loans
median
10.9%
Equity / assets
median

Georgia's 124 banks hold $105B in assets at 30 June 2026. Ameris Bank is the largest at $28.4B, and the five largest hold 48% of the total; 13 institutions are above $1B, holding $65.4B.

Loans grew a median +8.1% in the year to 30 June 2026: 57 institutions grew faster than 10% and 14 shrank. The median bank lends 79% of its deposits and holds commercial real estate at 31.0% of loans. Nonperforming loans sit at a median 0.38% of the book, return on assets at 1.53%, and equity at 10.9% of assets.

14 of the 124 are in the catalogue, each read from its own filing beside the banks its size in the state: Ameris Bank, RBC Bank Georgia N.A., Metro City Bank, Vallant Bank, Colony Bank, Queensborough National Bank & Trust Co., Thomasville National Bank, United Bank, Affinity Bank National Association, First American Bank & Trust Co., Farmers & Merchants Bank, First Century Bank N.A., Barwick Banking Co., Promiseone Bank.

Who holds the state's assetseach institution's share of the $105B the state's 124 hold; the largest first, amber in the catalogue
Ameris Bank: 27.2%AB27%RBC Bank Georgia N.A.: 9.2%RB9%Metro City Bank: 4.3%MCVallant Bank: 3.8%VBColony Bank: 3.5%CBGeorgia Banking Co.: 3.1%Queensborough National Bank & Trust Co.: 2.2%Thomasville National Bank: 2.1%United Bank: 2.1%Primesouth Bank: 1.5%114 others 41%ABAmeris Bank27.2%RBRBC Bank Georgia N.A.9.2%MCMetro City Bank4.3%VBVallant Bank3.8%CBColony Bank3.5%GBGeorgia Banking Co.3.1%QNQueensborough Nationa…2.2%TNThomasville National …2.1%UBUnited Bank2.1%PBPrimesouth Bank1.5%

Ameris Bank holds 27.2% of the state's bank assets; the five largest hold 48%, and 13 of the 124 are above $1B.

How concentrated that iscumulative share of assets against the share of institutions, largest first; the Gini from the drawn curve
0%0%25%25%50%50%75%75%100%100%equal sharesThe largestAmeris Bank: 27% of the totalThe five largest48% of the totalThe ten largest59% of the totalGINI0.70 = equal shares · 1 = one holds everythingshare of institutions, largest first →↑ share of the total

The curve's distance from the diagonal is the concentration: 48% of the assets in 4% of the institutions. A Gini near zero would mean equal shares; one would mean a single holder.

What the state's banks lendthe loan book of every bank in the state, summed by category as filed
1-4 family residential, closed-end27.0%$19.7BNonfarm nonresidential, non-owner-occupied18.8%$13.7BNonfarm nonresidential, owner-occupied13.3%$9.7BCommercial & industrial10.9%$8.0BConstruction & land9.7%$7.1BOther loans and leases5.4%$4.0BMultifamily4.5%$3.3BFarmland3.3%$2.5BHome equity lines2.8%$2.1BConsumer, other1.5%$1.1BAgricultural production0.9%$686MStates & municipalities0.9%$627MAuto0.6%$461MCredit card0.3%$243M

1-4 family residential, closed-end is the largest category at 27.0% of the state's $73.2B in loans, then Nonfarm nonresidential, non-owner-occupied at 18.8% and Nonfarm nonresidential, owner-occupied at 13.3%.

Loans, year over yearGeorgia banks, 30 June 2026 against a year earlier · no better direction, largest first · the 25 highest of 123 · amber, in the catalogue
state median +8.1% AP American Pride Bank +93.9% MB Moultrie Bank & Trust +87.6% VB Vallant Bank +84.1% RB RBC Bank Georgia N.A. +54.7% FC First Century Bank N.A. +49.7% SC Sunmark Community Bank +40.0% CB Claxton Bank +37.4% CB Century Bank & Trust +32.6% BB Barwick Banking Co. +31.6% AB Apex Banking Co. of Georgia +27.9% MC Metro City Bank +26.6% CB Colony Bank +23.5% CB Community Bank of Georgia +23.4% FP First Peoples Bank +22.4% EB Exchange Bank +22.0% CC Classic City Bank +21.1% GF Georgia First Bank +20.7% LS Legacy State Bank +19.7% EN Embassy National Bank +19.7% MV Mount Vernon Bank +19.7% PB Peoples Bank & Trust +19.6% CB Craft Bank +19.4% PB Peoples Bank of Georgia +17.9% Bo Bank of Dudley +17.6% FN First National Bank of Griffin +17.3%

American Pride Bank grew fastest at +93.9%; 57 grew faster than 10% and 14 shrank, First City Bank the most at -20.0%. The median is +8.1%.

Commercial real estate, share of loansGeorgia banks, 30 June 2026 · construction, multifamily and non-owner-occupied nonresidential; listed largest first · the 25 highest of 123 · amber, in the catalogue
state median 31.0% FM Farmers & Merchants Bank 76.9% AP American Pride Bank 74.7% FB First Bank of Coastal Georgia 74.5% TN Touchmark National Bank 67.5% EN Embassy National Bank 56.7% AC American Commerce Bank N.A. 56.3% CS Carver State Bank 56.0% FA First American Bank & Trust Co. 52.7% EB Exchange Bank 51.4% CB Century Bank & Trust 48.6% GB Guardian Bank 47.8% LS Legacy State Bank 47.5% FB Farmers Bank 47.4% FN First National Bank of Griffin 47.4% CB Citizens Bank of Georgia 46.2% PB Peoples Bank 45.3% MS Magnolia State Bank 43.3% CB Claxton Bank 42.9% CB Colony Bank 42.8% GO Great Oaks Bank 42.1% FM F & M Bank & Trust Co. 42.1% PB Promiseone Bank 41.9% FN First National Bank of Coffee Cou… 41.9% PB Peoples Bank & Trust 41.8% WB Waycross Bank & Trust 41.4%

Farmers & Merchants Bank is the most CRE-weighted at 76.9% of loans; 27 of the 124 are above 40%, against a median of 31.0%.

Commercial real estate against capital, the 300% screenGeorgia banks, 30 June 2026 · the 2006 interagency guidance's screen; total risk-based capital where filed, Tier 1 for a CBLR filer; listed largest first · the 25 highest of 124 · amber, in the catalogue
state median 162% 300% screen AP American Pride Bank 431% TN Touchmark National Bank 387% EN Embassy National Bank 364% Bo Bank of Newington 322% EB Exchange Bank 315% PB Peoples Bank 303% FM Farmers & Merchants Bank 302% LS Legacy State Bank 294% FA First American Bank & Trust Co. 293% BB Barwick Banking Co. 292% GB Georgia Banking Co. 290% FM Farmers & Merchants Bank 285% PB Promiseone Bank 284% Bo Bank of Dudley 278% CB Colony Bank 278% FM F & M Bank & Trust Co. 268% VB Vallant Bank 264% AB Ameris Bank 263% AC American Commerce Bank N.A. 257% PS Peach State Bank & Trust 253% FB First Bank of Coastal Georgia 253% PB Peoplessouth Bank 252% OS Oconee State Bank 248% GO Great Oaks Bank 248% B Banksouth 247%

7 of the 124 banks sit above the 300% screen, American Pride Bank the highest at 431% of capital; the median is 162%. Crossing the screen is not a violation; it is the level at which examiners expect the risk-management practices the guidance describes.

Construction and land development against capital, the 100% screenGeorgia banks, 30 June 2026 · the guidance's first prong; listed largest first · the 25 highest of 124 · amber, in the catalogue
state median 58% 100% screen Bo Bank of Newington 238% EB Exchange Bank 224% FM Farmers & Merchants Bank 162% PB Peoples Bank & Trust 160% CB Community Bank of Pickens Cnty 143% PB Peoples Bank 139% Bo Bank of Monticello 136% Bo Bank of Madison 132% CB Craft Bank 128% CB Citizens Bank of Cochran 122% PS Peach State Bank & Trust 120% CB Commercial Banking Co. 120% AB Apex Banking Co. of Georgia 117% TN Thomasville National Bank 113% FP First Peoples Bank 111% PB Peoplessouth Bank 109% FM F & M Bank 106% RC Rabun County Bank 106% PB Primesouth Bank 106% RC River City Bank 101% B Banksouth 100% Bo Bank of Dudley 100% BB Barwick Banking Co. 99% FA First American Bank & Trust Co. 94% FM F & M Bank & Trust Co. 94%

20 of the 124 banks sit above the 100% construction screen, Bank of Newington the highest at 238%; the median is 58%.

Loans to depositsGeorgia banks, 30 June 2026 · listed highest first · the 25 highest of 124 · amber, in the catalogue
state median 79% FC First City Bank 669% FF First Federal Savings & Loan Asso… 117% MC Metro City Bank 112% AC American Commerce Bank N.A. 105% FB Family Bank 103% AB Affinity Bank National Association 102% CB Craft Bank 101% AB Ameris Bank 100% BB Barwick Banking Co. 100% CB Citizens Bank of Cochran 100% PB Primesouth Bank 99% TN Thomasville National Bank 99% DB Durden Banking Co. Inc 97% UN United National Bank 96% LT Loyal Trust Bank 96% PB Peoples Bank of Georgia 95% FS First State Bank 95% GF Georgia First Bank 95% FA First American Bank & Trust Co. 94% FP First Peoples Bank 94% FS Farmers State Bank 93% B Banksouth 91% CB Community Bank of Pickens Cnty 91% FC Flint Community Bank 90% GB Georgia Banking Co. 90%

7 of the 124 lend more than they hold in deposits, First City Bank the furthest at 669%; the median is 79%.

Nonperforming loans, share of loansGeorgia banks, 30 June 2026 · listed highest first · the 25 highest of 123 · amber, in the catalogue
state median 0.38% PB Peoples Bank 5.12% TN Touchmark National Bank 5.07% FS First State Bank of Randolph Coun… 4.53% RS Rochelle State Bank 3.40% FS First State Bank of Blakely 3.36% AC American Commerce Bank N.A. 2.98% OS Oconee State Bank 2.83% CB Claxton Bank 2.51% TS Talbot State Bank 2.35% FB Family Bank 2.21% UN United National Bank 2.15% FC Flint Community Bank 2.05% CB Community Bank of Pickens Cnty 1.96% FM Farmers & Merchants Bank 1.86% FF First Federal Savings & Loan Asso… 1.79% Bo Bank of Edison 1.79% CT Citizens Trust Bank 1.63% CB Craft Bank 1.61% GB Guardian Bank 1.49% PB Primesouth Bank 1.48% Bo Bank of Lafayette Georgia 1.44% PF Planters First Bank 1.41% TB Trust Bank 1.36% GD Geo D Warthen Bank 1.27% GC Georgia Community Bank 1.25%

Peoples Bank carries the most nonperforming loans at 5.12% of the book; 31 of the 124 are above 1%, and the median is 0.38%.

The allowance against nonperforming loansthe twenty widest gaps between the reserve and the trouble it covers, both as shares of loans · bold, in the catalogue
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%NPA / loansAllowance / loansFSFNB South+3.17%BoBank of Hazlehurst+3.14%BoBank of Hancock County+3.09%SGSouth Georgia Bank+2.37%WCWest Central Georgia Bank+2.22%FSFarmers State Bank+2.16%BoBank of Alapaha+2.01%SSSecurity State Bank+1.93%TNThomasville National Bank+1.85%MCMerchants & Citizens Bank+1.84%SBSoutheastern Bank+1.80%UBUnited Bank+1.79%FMFarmers & Merchants Bank+1.73%SFSoutheast First National Bank+1.72%DBDurden Banking Co. Inc+1.65%SCSunmark Community Bank+1.63%WBWaycross Bank & Trust+1.63%CBCitizens Bank of Swainsboro+1.59%GFGeorgia First Bank+1.58%NGNortheast Georgia Bank+1.54%

The distance between the two dots is the reserve's headroom over the loans already in trouble. 21 of the 124 hold an allowance smaller than their nonperforming loans.

Return on assetsGeorgia banks, 30 June 2026 · listed highest first · the 25 highest of 124 · amber, in the catalogue
state median 1.53% CN CIBC National Trust Co. 13.86% DB Durden Banking Co. Inc 3.58% DN Douglas National Bank 3.47% Bo Bank of Monticello 3.27% CB Commercial Bank 3.16% Bo Bank of Dade 2.64% FS FNB South 2.64% FS Farmers State Bank 2.60% NG Northeast Georgia Bank 2.56% UB United Bank 2.56% SC Sunmark Community Bank 2.52% TN Thomasville National Bank 2.45% CB Community Bank of Pickens Cnty 2.34% RB RBC Bank Georgia N.A. 2.31% FN First National Bank of Waynesboro 2.24% Bo Bank of Hazlehurst 2.23% Bo Bank of Dawson 2.19% FS Farmers State Bank 2.13% FM Farmers & Merchants Bank 2.07% CC Classic City Bank 2.05% FC Flint Community Bank 2.05% CB Citizens Bank of Cochran 2.00% MS Magnolia State Bank 1.97% MC Metro City Bank 1.97% FA First American Bank & Trust Co. 1.96%

CIBC National Trust Co. earns the most at 13.86% and First City Bank the least at -6.40%; 12 of the 124 earn under 0.50%, and the median is 1.53%.

The efficiency ratio, with the return beside itGeorgia banks, 30 June 2026 · cost as a share of revenue, lowest first; return on assets at the right · the 25 lowest of 124 · amber, in the catalogue
state median 59.7% RB RBC Bank Georgia N.A. 27.8% ROA 2.31% CB Community Bank of Pickens Cnty 38.1% ROA 2.34% TN Thomasville National Bank 38.3% ROA 2.45% CB Citizens Bank of Georgia 38.7% ROA 1.84% CC Classic City Bank 39.8% ROA 2.05% FM Farmers & Merchants Bank 40.0% ROA 2.07% MC Metro City Bank 41.0% ROA 1.97% CB Commercial Bank 41.2% ROA 3.16% DN Douglas National Bank 41.7% ROA 3.47% NG Northeast Georgia Bank 42.4% ROA 2.56% Bo Bank of Monticello 42.4% ROA 3.27% CB Community Bank of Georgia 43.9% ROA 1.80% DB Durden Banking Co. Inc 43.9% ROA 3.58% FS First State Bank 44.9% ROA 1.82% PB Peoples Bank & Trust 46.1% ROA 1.40% FS FNB South 46.1% ROA 2.64% UB United Bank 46.3% ROA 2.56% Bo Bank of Madison 46.5% ROA 1.85% FN First National Bank of Waynesboro 47.0% ROA 2.24% PB Primesouth Bank 47.0% ROA 1.94% AC American Commerce Bank N.A. 47.4% ROA 1.77% CB Citizens Bank of Americus 47.7% ROA 1.56% FM Farmers & Merchants Bank 48.1% ROA 1.56% AT Ab & Trust 48.1% ROA 1.93% Bo Bank of Dade 48.2% ROA 2.64%

RBC Bank Georgia N.A. runs the leanest at 27.8% of revenue in cost; 12 of the 124 spend more than 80 cents of every revenue dollar, and the median is 59.7%.

The fifteen largest, 30 June 2026navy: the stronger half of each column; amber: the weaker; darker at the ends; bold rows are in the catalogue
InstitutionAssetsLoans YoYCRE / loansLoans / depositsNPA / loansROAEquity / assets
Ameris Bank$28.4B+5.0%39.4%100%0.57%1.22%14.3%
RBC Bank Georgia N.A.$9.6B+54.7%0.0%51%0.41%2.31%10.0%
Metro City Bank$4.5B+26.6%19.7%112%0.44%1.97%11.5%
Vallant Bank$4.0B+84.1%37.6%86%0.51%1.20%12.3%
Colony Bank$3.6B+23.5%42.8%83%0.76%1.08%11.2%
Georgia Banking Co.$3.3B+15.4%37.1%90%0.67%1.08%9.7%
Queensborough National Bank & Trust Co.$2.3B+10.4%24.8%68%0.59%1.08%7.9%
Thomasville National Bank$2.2B+12.4%31.1%99%0.22%2.45%10.4%
United Bank$2.2B+2.6%38.2%50%0.23%2.56%12.0%
Primesouth Bank$1.6B+16.2%29.5%99%1.48%1.94%10.9%
Banksouth$1.6B+16.2%35.1%91%0.55%1.57%10.4%
Peoplessouth Bank$1.2B+9.8%37.8%78%1.02%1.46%6.5%
American Pride Bank$1.0B+93.9%74.7%81%0.00%0.51%12.1%
Affinity Bank National Association$915M+2.3%33.2%102%0.47%1.08%12.9%
First American Bank & Trust Co.$902M+11.5%52.7%94%0.00%1.96%13.0%
Five years, 2021 to 2026the 123 institutions filing at both dates; dollars as growth, ratios in points
20212026Change
Loans, in total$43.7B$73.1B+67%
Deposits, in total$61.5B$88.1B+43%
NPA / loans, median0.45%0.38%-0.07 pts
Efficiency, median66.3%59.6%-6.8 pts
ROA, median1.08%1.53%+0.45 pts

Small-business lending

SBA 7(a) approvals into Georgia since FY2008, across every lender type

$19.8B of 7(a) credit has been approved into Georgia since FY2008 across 29,314 loans. Accommodation & food services is the largest category at 22.1%, Retail trade at 20.2%, Health care & social assistance at 10.5%; the three together are 53% of the money. The heaviest losses fall in Construction, at 3.03% of approvals charged off.

7(a) lenders in the state, share of approvalssince FY2008, 409 lenders on record; SBA 7(a) release as of the 2026 file; loans credited to the institution holding them today; amber, in the catalogue
MC Metro City Bank 9.6% $1.9B · 1,541 loans LO Live Oak Banking Company 4.9% $963M · 746 loans TH The Huntington National Bank 4.2% $835M · 1,424 loans AB Ameris Bank 4.0% $792M · 980 loans SB Southstate Bank, National Associa… 3.3% $661M · 785 loans TB Truist Bank 3.3% $654M · 1,625 loans PB Pinnacle Bank 3.1% $618M · 592 loans RB Renasant Bank 3.0% $597M · 783 loans HB Hometrust Bank 2.6% $515M · 441 loans WF Wells Fargo Bank National Associa… 2.5% $500M · 2,514 loans PB Promiseone Bank 2.2% $427M · 485 loans UC United Community Bank 1.9% $373M · 477 loans
What the state's 7(a) money financeseach industry's share of approvals since FY2008, the twelve largest
Accommodation & food services23.3%$4.4B · 5,021 loansRetail trade21.3%$4.0B · 4,863 loansHealth care & social assistance11.1%$2.1B · 2,939 loansOther services8.5%$1.6B · 2,788 loansManufacturing6.2%$1.2B · 1,438 loansAgriculture, forestry & fishing6.0%$1.1B · 1,085 loansProfessional & technical services5.7%$1.1B · 2,749 loansWholesale trade5.2%$986M · 1,269 loansConstruction4.6%$866M · 1,937 loansArts, entertainment & recreation3.1%$575M · 878 loansAdministrative & waste services2.7%$513M · 1,389 loansReal estate & leasing2.3%$432M · 574 loans
The industries, with what defaultsapprovals, loans and charged-off dollars by industry since FY2008; a loss rate is charged-off over approved dollars, on settled and unsettled cohorts alike
IndustryApprovedLoansShareCharged offLoss rate
Accommodation & food services$4.4B5,02122.1%$74M1.68%
Retail trade$4.0B4,86320.2%$60M1.51%
Health care & social assistance$2.1B2,93910.5%$38M1.82%
Other services$1.6B2,7888.0%$29M1.80%
Manufacturing$1.2B1,4385.9%$30M2.58%
Agriculture, forestry & fishing$1.1B1,0855.7%$14M1.22%
Professional & technical services$1.1B2,7495.4%$22M2.05%
Wholesale trade$986M1,2695.0%$18M1.87%
Construction$866M1,9374.4%$26M3.03%
Arts, entertainment & recreation$575M8782.9%$14M2.42%
Administrative & waste services$513M1,3892.6%$9M1.83%
Real estate & leasing$432M5742.2%$6M1.35%
The largest county marketsapprovals since FY2008 and how many lenders have written there
CountyApprovedLoansLenders
Fulton$3.2B5,208211
Gwinnett$2.3B3,853169
Cobb$1.7B2,888182
Dekalb$1.6B2,668151
Forsyth$717M944120
Chatham$707M906121
Cherokee$588M967117
Hall$440M55597
Henry$414M612102
Clayton$391M58193

Each institution in the catalogue has its own read, prepared for its board and management from the public record. The full pack on any Georgia institution, twenty sections from its own filing, is prepared on request.

Ask for a pack

Prepared 7 September 2026
Sources FFIEC Call Report and NCUA 5300 via the FDIC and NCUA; SBA 7(a) release
Cohort every institution filing in Georgia

Computed from each institution's own filing as published; medians are unweighted; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue