--- title: Owner-Occupied CRE Lenders in Georgia: 221 Hold These Loans url: https://lender.report/owner-occupied-cre-lenders/georgia/ license: https://lender.report/license/ --- Owner-Occupied CRE ยท GA # Owner-Occupied CRE lenders in Georgia 221 lenders with an office in Georgia hold owner-occupied commercial real estate loans on their books. Ameris Bank, based in Georgia, holds the largest book among those based here, at $1.9B. **Evidence** Lender holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Georgia **Data as of** June 30, 2026 **Page last changed** November 11, 2026 **Lenders with an office here** 221 FDIC call report, Jun 30, 2026 **Based here** 140 FDIC call report, Jun 30, 2026 **Held by those based here** $10.3B FDIC call report, Jun 30, 2026 +10.2% from a year earlier, 133 of 140 lenders **Median book, based here** $33.1M FDIC call report, Jun 30, 2026 Cite this Source: The Lender Report, Owner-Occupied CRE lenders in Georgia, https://lender.report/owner-occupied-cre-lenders/georgia/, data as of June 30, 2026. ## Describe a deal in Georgia See which of these lenders made loans like yours, at your size and in your place. No account and no form. [Show owner-occupied CRE loans in Georgia](https://lender.report/comps/?lane=cre_owner&state=GA)[On this list? Find your page](https://lender.report/for-lenders/?from=market) | Lender | Kind | Based in | Offices here | Holds | Growth, 12 months | | --- | --- | --- | --- | --- | --- | | [Ameris Bank](https://lender.report/lender/ameris-bank-ga/) | Bank | Atlanta, GA | 105 | $1.90B | +5.8% | | [Metro City Bank](https://lender.report/lender/metro-city-bank-ga/) | Bank | Doraville, GA | 12 | $735M | | | [Vallant Bank](https://lender.report/lender/vallant-bank-ga/) | Bank | Elberton, GA | 36 | $565M | | | [Colony Bank](https://lender.report/lender/colony-bank-ga/) | Bank | Fitzgerald, GA | 31 | $439M | | | [Queensborough National Bank & Trust Company](https://lender.report/lender/queensborough-national-bank-and-trust-ga/) | Bank | Louisville, GA | 25 | $355M | +11.1% | | [PrimeSouth Bank](https://lender.report/lender/primesouth-bank-ga/) | Bank | Blackshear, GA | 7 | $271M | +30.8% | | [Georgia Banking Company](https://lender.report/lender/georgia-banking-ga/) | Bank | Atlanta, GA | 10 | $267M | | | [Georgia's Own Credit Union](https://lender.report/lender/georgia-s-own-credit-union-ga/) | Credit union | Atlanta, GA | 30 | $245M | | | [Barwick Banking Company](https://lender.report/lender/barwick-banking-ga/) | Bank | Barwick, GA | 2 | $218M | +20.3% | | [Thomasville National Bank](https://lender.report/lender/thomasville-national-bank-ga/) | Bank | Thomasville, GA | 3 | $213M | +16.7% | | [Oconee State Bank](https://lender.report/lender/oconee-state-bank-ga/) | Bank | Watkinsville, GA | 7 | $185M | +17.0% | | [Community Bank of Pickens County](https://lender.report/lender/community-bank-of-pickens-county-ga/) | Bank | Jasper, GA | 2 | $173M | +7.2% | | [First National Community Bank](https://lender.report/lender/first-national-community-bank-ga/) | Bank | Chatsworth, GA | 11 | $151M | +7.0% | | [United Bank](https://lender.report/lender/united-bank-ga/) | Bank | Zebulon, GA | 17 | $142M | +2.0% | | [FNB South](https://lender.report/lender/fnb-south-ga/) | Bank | Alma, GA | 4 | $141M | +2.0% | | [First Port City Bank](https://lender.report/lender/first-port-city-bank-ga/) | Bank | Bainbridge, GA | 4 | $130M | | | [First American Bank and Trust Company](https://lender.report/lender/first-american-bank-and-trust-ga/) | Bank | Athens, GA | 8 | $125M | +20.6% | | [The Commercial Bank](https://lender.report/lender/commercial-bank-ga/) | Bank | Crawford, GA | 5 | $103M | +17.8% | | [American Commerce Bank, National Association](https://lender.report/lender/american-commerce-bank-ga/) | Bank | Bremen, GA | 3 | $101M | +6.6% | | [BankSouth](https://lender.report/lender/banksouth-ga/) | Savings | Greensboro, GA | 10 | $97.7M | | FDIC call report, Jun 30, 2026 [See all 221 owner-occupied CRE lenders in Georgia in Loan Comps](https://lender.report/comps/?lane=cre_owner&state=GA) | Lender | Kind | Based in | Offices here | Holds, nationwide | | --- | --- | --- | --- | --- | | [Bank of America, National Association](https://lender.report/lender/bank-of-america-nc/) | Bank | Charlotte, NC | 130 | $24.7B | | [Wells Fargo Bank, National Association](https://lender.report/lender/wells-fargo-bank-sd/) | Bank | Sioux Falls, SD | 178 | $17.8B | | [Truist Bank](https://lender.report/lender/truist-bank-nc/) | Bank | Charlotte, NC | 203 | $17.8B | | [First-Citizens Bank & Trust Company](https://lender.report/lender/first-citizens-bank-and-trust-nc/) | Bank | Raleigh, NC | 26 | $16.8B | | [JPMorgan Chase Bank, National Association](https://lender.report/lender/jpmorgan-chase-bank-oh/) | Bank | Columbus, OH | 118 | $14.4B | | [The Huntington National Bank](https://lender.report/lender/huntington-national-bank-oh/) | Bank | Columbus, OH | 39 | $13.3B | | [Fifth Third Bank, National Association](https://lender.report/lender/fifth-third-bank-oh/) | Bank | Cincinnati, OH | 45 | $12.0B | | [PNC Bank, National Association](https://lender.report/lender/pnc-bank-de/) | Bank | Wilmington, DE | 64 | $10.4B | | [Pinnacle Bank](https://lender.report/lender/pinnacle-bank-tn/) | Bank | Nashville, TN | 107 | $9.45B | | [U.S. Bank National Association](https://lender.report/lender/u-s-bank-oh/) | Bank | Cincinnati, OH | 1 | $9.01B | FDIC call report, Jun 30, 2026 - 140 of these lenders are based in Georgia, and 81 are based elsewhere with offices here. FDIC call report, Jun 30, 2026 - These lenders: 175 banks, 7 savings institutions and 39 credit unions. FDIC call report, Jun 30, 2026 - Lenders based in Georgia hold $10.3B of owner-occupied commercial real estate loans, up 10.2% from a year earlier among the 133 of 140 with a comparable earlier filing. FDIC call report, Jun 30, 2026 - The five largest books based here hold 38.9% of that total. FDIC call report, Jun 30, 2026 - Ameris Bank holds $1.9B, and Metro City Bank holds $735.2M. FDIC call report, Jun 30, 2026 - The median book among lenders based in Georgia is $33.1M. FDIC call report, Jun 30, 2026 - 64 lenders based here grew this book by 10% or more in the year to June 30, 2026. FDIC call report, Jun 30, 2026 - 19 lenders based here hold $100M or more of it. FDIC call report, Jun 30, 2026 - These lenders list 2,451 offices in Georgia. FDIC office list, Oct 28, 2026 - Truist Bank, based in North Carolina, lists the most offices here among out-of-state lenders, at 203. FDIC office list, Oct 28, 2026 - Among credit unions here, the median average loan in this category is $612K. NCUA 5300, Jun 30, 2026 - Credit Union of Georgia grew this book the most in the year, up 241.4% to $24.4M. FDIC call report, Jun 30, 2026 ## How this list is defined **Measure** owner-occupied commercial real estate loans held by lenders with an office in Georgia **Period** June 30, 2026 **Formula** The balance of owner-occupied commercial real estate loans on the lender's June 30, 2026 filing, for a lender with an office in Georgia. A balance held, not loans made. **Order** Largest first by the book held at the latest filing, then name. Payment is not part of the order. **As of** June 30, 2026 **Source** [FDIC call report](https://api.fdic.gov/banks/financials) **Changelog** November 12, 2026: First published, with the data built on this date. Owner-occupied commercial real estate is property a business uses itself, such as its own plant, shop or office. It is often tied to the business loan. Call reports give one balance per institution, not by state, and they carry balances, not loans made. The figure shown is the whole institution's book. Growth appears only where a book grew over the 12 months. Each lender's own page has its full record. A lender counts here if it holds owner-occupied commercial real estate loans on its books at the latest filing and has an office in Georgia. Lenders that merged or stopped filing are left out. Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. [Report a problem](https://lender.report/report/) Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.