Hi! I bought a male columnar cultivar of Ginkgo Biloba called "Grindstone". This was planted roughly 2-3 months ago in a group of 3 along my driveway to eventually provide some shade. Typically these will reach about. 20ft high and 6 ft wide in 12-15 years. I planted the tree a little higher than the soil line to try and help with drainage, and I watered regularly after planting (these were in a 2 gallon pot and roughly 3 ft tall). The tree appeared in great shape at the time of planting with no visible issues or wilting. The other two trees had some stress that I believe was due to overwatering, but since I have cut back have been doing great. They were never quite as stressed as this tree. Perhaps a month after planting, I noticed the leaves beginning to yellow a little and wilt some. I tested the soil with just my finger and noticed that the clay was wet, so I suspect that this particular part of my yard must not drain as well as the rest. I suspected the tree might have developed root rot, so I pulled it out of the ground, removed some of the blackened roots that appeared dead, and soaked the roots in hydrogen peroxide for a couple minutes. I then planted it in a pot with some pine fines with some super-thrive infused water to help it recover a bit for about 3 three weeks. I planted it back in the hole again, this time with better draining soil amendments like compost and pine fines, and tried to make sure not to over water. I also set up a little 40% shade cloth to help it weather during the intense heat we had back there a couple weeks ago. It was hanging on, still wilted a little, but not worse than what it had been, and I went out to water last night and spotted something I don't remember seeing before and I'm pretty sure I would have noticed. It was a round hole just a little higher up off the ground and it was pretty deep into the trunk. I reached out to the seller I bought it from and he suggested I reach out to my local extension office and ask them if there are borers in my area that may have caused this. I'm not sure what I can do to help the tree at this point, or will this be a wound that it will never be able to cover from? Thank you