(AJC) — The past few years haven’t been kind to Georgia’s banking industry, but the past few quarters, and the year to come, could prove to be the time when the industry started its slow turn for the better. The state’s lenders collectively have lost more than $5 billion since 2008, according to Federal Deposit Insurance Corp. data. And more banks have failed here in that time than in any other state. But fewer banks failed in Georgia in 2010 than many expected, and observers of the state’s banking industry hope 2011 brings further stability. Or at least that it doesn’t get any worse.