WASHINGTON (Reuters) - Four small banks across the United States were seized by regulators on Friday evening, ticking up the year bank failure tally to 41.

The continued parade of bank collapses comes as the Federal Deposit Insurance Corp is pulling back on loss-share agreements designed to lure bidders into taking on the assets of troubled banks.

Two of the banks that were seized were in Georgia, which has accounted for about one-sixth of all failures since the beginning of 2008.

Unity National Bank of Cartersville, Georgia, had about $292.2 million in assets, and McIntosh Commercial Bank of Carrollton, Georgia, had about $362.9 million in assets, the FDIC said.

Georgia is paying the price for overly aggressive lending during the housing boom, particularly speculative commercial real estate loans.

The other two institutions that failed on Friday were Key West Bank of Key West, Florida, which had $88 million in assets, and Desert Hills Bank of Phoenix, Arizona, which had $496.6 million in assets.

The FDIC found buyers for the deposits of all four banks, and entered into loss share agreements with all of them. Continued...