County banking markets / GA / 13021
BibbGeorgia
FIPS 13021. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 156 counties in Georgia’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,019) and moderately concentrated on deposits (1,554).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
58 branch offices and 9 institutions in 1994; 36 and 14 in 2025. Deposits booked in the county went from $1.71B to $4.34B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Cadence Bank cert 11813 | $1.11B | 25.45% | 7 | 19.44% |
| 2 | Truist Bank cert 9846 | $963.6M | 22.18% | 5 | 13.89% |
| 3 | Bank of America, National Association cert 3510 | $616.5M | 14.19% | 2 | 5.56% |
| 4 | Renasant Bank cert 12437 | $335.1M | 7.71% | 3 | 8.33% |
| 5 | Ameris Bank cert 20504 | $294.2M | 6.77% | 2 | 5.56% |
| 6 | Bank OZK cert 110 | $267.0M | 6.15% | 3 | 8.33% |
| 7 | Wells Fargo Bank, National Association cert 3511 | $229.8M | 5.29% | 2 | 5.56% |
| 8 | American Pride Bank cert 58584 | $203.8M | 4.69% | 2 | 5.56% |
| 9 | Capital City Bank cert 9622 | $139.9M | 3.22% | 4 | 11.11% |
| 10 | Synovus Bank cert 873 | $129.2M | 2.97% | 2 | 5.56% |
| 11 | Planters First Bank cert 9064 | $24.3M | 0.56% | 1 | 2.78% |
| 12 | Colony Bank cert 22257 | $18.3M | 0.42% | 1 | 2.78% |
| 13 | Oconee State Bank cert 18143 | $15.5M | 0.36% | 1 | 2.78% |
| 14 | PeoplesSouth Bank cert 21292 | $1.9M | 0.04% | 1 | 2.78% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Georgia, or read the methodology for the two HHI constructions and what they cannot tell you.