These banks all reported apartment loans on their most recent federal call report, and all have at least one branch in Georgia. Banks are the most common source of multifamily financing — five units and up, stabilised or value-add — and most lend close to their branches, so a lender with offices near your building is usually a better first call than a bigger name without them. Expect a bank to want recourse and, usually, a banking relationship; the capital guide compares the alternatives.
Banks Based in Georgia, Largest Multifamily Books First
25 of 60 qualifying banks are headquartered in Georgia. These are the lenders whose whole business is this market.
| # | Institution | Multifamily book | Share of investor CRE | Branches in GA | Contact |
|---|---|---|---|---|---|
| 1 | Ameris Bank | $2.01bn | 22.5% | 105 | Contact available |
| 2 | Colony Bank | $119m | 11.2% | 31 | Contact available |
| 3 | Vallant Bank | $93m | 8.2% | 36 | Contact available |
| 4 | Thomasville National Bank | $75m | 12.9% | 3 | Contact available |
| 5 | Georgia Banking Company | $70m | 7.3% | 10 | Contact available |
| 6 | BankSouth | $52m | 12.0% | 10 | Contact available |
| 7 | Oconee State Bank | $29m | 14.9% | 7 | Contact available |
| 8 | Guardian Bank | $29m | 16.6% | 5 | Contact available |
| 9 | American Commerce Bank, National Association | $25m | 10.9% | 3 | Contact available |
| 10 | Sunmark Community Bank | $24m | 15.8% | 10 | Contact available |
| 11 | Classic City Bank | $22m | 29.0% | 1 | Contact available |
| 12 | Citizens Bank of Americus | $20m | 21.3% | 3 | Contact available |
| 13 | Citizens Trust Bank | $19m | 15.4% | 5 | Contact available |
| 14 | First National Community Bank | $18m | 8.4% | 11 | Contact available |
| 15 | First National Bank of Griffin | $17m | 20.0% | 6 | — |
| 16 | Bank of Dudley | $17m | 12.1% | 9 | Contact available |
| 17 | Barwick Banking Company | $16m | 7.3% | 2 | Contact available |
| 18 | F&M Bank | $16m | 17.3% | 5 | Contact available |
| 19 | FNB SOUTH | $16m | 14.2% | 4 | Contact available |
| 20 | The Commercial Bank | $16m | 21.0% | 5 | Contact available |
| 21 | PromiseOne Bank | $15m | 6.0% | 6 | Contact available |
| 22 | Magnolia State Bank | $15m | 32.5% | 5 | Contact available |
| 23 | River City Bank | $15m | 13.2% | 4 | Contact available |
| 24 | First National Bank of Coffee County | $15m | 12.6% | 1 | — |
| 25 | First Port City Bank | $15m | 11.0% | 4 | Contact available |
National Lenders With Branches in Georgia
25 of 59 qualifying banks are headquartered elsewhere but have offices here. The multifamily figure is their national book, so read it alongside the branch count — a large book behind a handful of local offices is a different proposition from a bank with a branch network in the state.
| # | Institution | Multifamily book | Share of investor CRE | Branches in GA | Contact |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | $107.32bn | 64.9% | 118 | Contact available |
| 2 | Wells Fargo | $26.55bn | 25.6% | 179 | Contact available |
| 3 | PNC Real Estate | $14.98bn | 40.8% | 65 | Contact available |
| 4 | US Bank | $14.46bn | 34.7% | 1 | Contact available |
| 5 | Truist | $8.65bn | 26.0% | 203 | Contact available |
| 6 | Bank of America | $8.46bn | 15.3% | 130 | Contact available |
| 7 | Huntington National Bank | $4.88bn | 19.9% | 39 | Contact available |
| 8 | Pinnacle Bank (Tennessee) | $4.86bn | 17.8% | 107 | Contact available |
| 9 | East West Bank | $4.61bn | 25.1% | 3 | Contact available |
| 10 | Fifth Third Bank | $4.14bn | 19.2% | 45 | Contact available |
| 11 | Regions Bank | $3.88bn | 35.6% | 122 | Contact available |
| 12 | First Horizon Bank | $3.72bn | 27.1% | 13 | Contact available |
| 13 | First Citizens Bank | $2.97bn | 13.5% | 26 | Contact available |
| 14 | SouthState Bank | $2.72bn | 13.3% | 44 | Contact available |
| 15 | City National Bank (CA) | $2.70bn | 22.2% | 2 | Contact available |
| 16 | Bank OZK | $2.55bn | 14.7% | 72 | Contact available |
| 17 | United Bank (Fairfax, VA) | $2.44bn | 20.3% | 16 | Contact available |
| 18 | The Northern Trust Company | $1.49bn | 27.6% | 1 | Contact available |
| 19 | ServisFirst Bank | $1.40bn | 21.0% | 3 | Contact available |
| 20 | Renasant Bank | $1.16bn | 14.2% | 73 | Contact available |
| 21 | Bank of Hope | $1.14bn | 19.8% | 1 | Contact available |
| 22 | BankUnited | $1.14bn | 16.5% | 1 | Contact available |
| 23 | FirstBank | $768m | 15.5% | 14 | Contact available |
| 24 | United Community Bank | $714m | 11.8% | 64 | Contact available |
| 25 | First Financial Bank, N.A. (Terre Haute, IN) | $497m | 27.3% | 3 | Contact available |
What this list is, and what it leaves out
A reported balance is not a credit box. Every bank here held apartment loans on 30 June 2026. That is evidence they lend on multifamily — better evidence than a marketing page, because it is what they actually hold — but it is not a commitment to lend on your deal, at your size, in your submarket.
More lenders exist than this page lists. 119 banks qualified in Georgia. Credit unions, debt funds, agency lenders and life companies also finance apartments and none of them file this report, and plenty of banks lend on multifamily without publishing criteria anywhere. Running your deal through the search covers all of them, not just the banks on this page.
We hold a named lending contact for 110 of them.
Sources. FDIC Call Reports (30 June 2026) and the FDIC Summary of Deposits. A bank appears here if it reported a multifamily balance of $5m or more, or multifamily at 5% or more of its commercial real estate book, and has at least one branch in Georgia. The dual test is deliberate: a flat dollar floor is a bank-size filter in disguise — a $25m floor passes 86.5% of banks over $10bn and 2.2% of banks under $300m — and would drop the community lenders most likely to look at a smaller apartment deal. Multifamily is the call report's own category for loans secured by five-or-more-unit residential property; it excludes one-to-four-unit rentals, which banks report separately. Multifamily book is institution-level and unprorated: no state split of the loan book is published, so a bank lending in several states shows its full multifamily book on every state page where it qualifies. That is why this page separates banks based in Georgia from national lenders with branches here, rather than ranking them against each other on a national figure. Branch counts are offices in Georgia from the Summary of Deposits. Contact availability refers to whether Lender Compass holds a named contact, not to anything the bank publishes.