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FDIC Call Report Analysis

Which Georgia Banks Are Actually Growing Their CRE Book — And Who To Call

88 institutions qualified in Georgia: at least one branch in the state (FDIC SOD 2025) and a CRE book of $100m or more. Figures below are institution-level and unprorated — a bank lending in multiple states shows its full CRE book on every state page where it qualifies, not a state-prorated share.

Largest CRE Books, Headquartered in Georgia

10 of 42 Georgia-headquartered institutions.

#InstitutionCRE bookContact
1Ameris Bank
Atlanta · FDIC Cert #20504
$8.93bnContact available
2Vallant Bank
Elberton · FDIC Cert #14065
$1.12bnNo contact yet
3Colony Bank
Fitzgerald · FDIC Cert #22257
$1.07bnContact available
4Georgia Banking Company
Atlanta · FDIC Cert #57071
$961mContact available
5Metro City Bank
Doraville · FDIC Cert #58181
$779mContact available
6Thomasville National Bank
Thomasville · FDIC Cert #34068
$577mContact available
7American Pride Bank
Macon · FDIC Cert #58584
$539mContact available
8BankSouth
Greensboro · FDIC Cert #16418
$435mContact available
9PrimeSouth Bank
Blackshear · FDIC Cert #5694
$389mContact available
10First American Bank and Trust Company
Athens · FDIC Cert #16858
$374mNo contact yet

Fastest Growing

Top 10 by organic growth. Percent organic growth over four quarters, with a $250m prior-quarter book floor; shrinking institutions are excluded.

#InstitutionOrganic growthContact
1American Pride Bank
Macon · FDIC Cert #58584
+94.0% +$261mContact available
2Georgia Banking Company
Atlanta · FDIC Cert #57071
+19.1% +$144mContact available
3Thomasville National Bank
Thomasville · FDIC Cert #34068
+17.2% +$85mContact available
4PrimeSouth Bank
Blackshear · FDIC Cert #5694
+16.0% +$54mContact available
5First American Bank and Trust Company
Athens · FDIC Cert #16858
+14.0% +$46mNo contact yet
6Shinhan Bank America
New York · FDIC Cert #33188
+10.8% +$67mNo contact yet
7First Financial Bank, National Association
Terre Haute · FDIC Cert #4382
+10.6% +$161mContact available
8ServisFirst Bank
Birmingham · FDIC Cert #57993
+10.1% +$614mContact available
9First Community Bank
Lexington · FDIC Cert #34047
+9.6% +$54mContact available
10Regions Bank
Birmingham · FDIC Cert #12368
+9.0% +$902mContact available

National and Regional Lenders with Branches Here

Top 20 by CRE book size.

#InstitutionCRE bookContact
1Wells Fargo Bank, National Association
Sioux Falls · FDIC Cert #3511
$103.80bnContact available
2Bank of America, National Association
Charlotte · FDIC Cert #3510
$55.21bnContact available
3PNC Bank, National Association
Wilmington · FDIC Cert #6384
$36.76bnContact available
4Truist Bank
Charlotte · FDIC Cert #9846
$33.24bnContact available
5Pinnacle Bank
Nashville · FDIC Cert #35583
$27.34bnContact available
6First-Citizens Bank & Trust Company
Raleigh · FDIC Cert #11063
$21.97bnContact available
7Fifth Third Bank, National Association
Cincinnati · FDIC Cert #6672
$21.58bnContact available
8SouthState Bank, National Association
Winter Haven · FDIC Cert #33555
$20.42bnContact available
9East West Bank
Pasadena · FDIC Cert #31628
$18.36bnContact available
10Bank OZK
Little Rock · FDIC Cert #110
$17.29bnContact available
11First Horizon Bank
Memphis · FDIC Cert #4977
$13.73bnContact available
12City National Bank
Los Angeles · FDIC Cert #17281
$12.14bnContact available
13United Bank
Fairfax · FDIC Cert #22858
$12.03bnContact available
14Regions Bank
Birmingham · FDIC Cert #12368
$10.87bnContact available
15Ameris Bank
Atlanta · FDIC Cert #20504
$8.93bnContact available
16Renasant Bank
Tupelo · FDIC Cert #12437
$8.13bnContact available
17ServisFirst Bank
Birmingham · FDIC Cert #57993
$6.69bnContact available
18United Community Bank
Greenville · FDIC Cert #16889
$6.04bnContact available
19Bank of Hope
Los Angeles · FDIC Cert #26610
$5.78bnContact available
20The Northern Trust Company
Chicago · FDIC Cert #913
$5.39bnContact available

National institutions

These institutions also clear the state’s qualifying population test — at least one branch presence and a CRE book of $100m or more — but are not evaluated for state relationship-lending purposes and carry no contact: Beal Bank USA (FDIC Cert #57833); BNY Mellon, National Association (FDIC Cert #7946); JPMorgan Chase Bank, National Association (FDIC Cert #628).


Sources. FDIC Call Reports and FDIC Summary of Deposits. The qualifying population excludes de novo institutions, excludes any quarter carrying a >40% QoQ reversal in its CRE book, and requires a CRE book of $100m or more — no deposit-share floor is applied to the qualifying population. The page carries two CRE book size rankings drawn from that same qualifying population, on the same basis: one ranking the state’s largest CRE lenders regardless of where they are headquartered, one ranking the largest lenders headquartered in the state. An institution may appear in both. Growth is percent organic growth over four quarters (30 June 2025 → 30 June 2026), excluding growth attributable to an acquisition, subject to a $250m prior-quarter book floor; institutions with negative organic growth are excluded from the growth list. Institutions with a prior-quarter CRE book above $25bn are also excluded from the growth list — growth at that scale is a national balance-sheet movement, not lending concentrated in any one state, and would otherwise crowd out real local growth on thin-population states. This ceiling applies to the growth list only; the same institutions still appear on the CRE book size rankings above, which rank nationally by design.

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