County banking markets / GA / 13121
FultonGeorgia
FIPS 13121. 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 (766) and moderately concentrated on deposits (2,076).
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
279 branch offices and 29 institutions in 1994; 247 and 46 in 2025. Deposits booked in the county went from $15.07B to $129.93B, 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 | Truist Bank cert 9846 | $44.80B | 34.48% | 33 | 13.36% |
| 2 | Bank of America, National Association cert 3510 | $32.30B | 24.86% | 26 | 10.53% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $18.54B | 14.27% | 32 | 12.96% |
| 4 | RBC Bank, (Georgia) National Association cert 26342 | $5.98B | 4.60% | 1 | 0.40% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $5.67B | 4.36% | 32 | 12.96% |
| 6 | Ameris Bank cert 20504 | $3.51B | 2.70% | 12 | 4.86% |
| 7 | SouthState Bank, National Association cert 33555 | $3.36B | 2.59% | 5 | 2.02% |
| 8 | PNC Bank, National Association cert 6384 | $2.47B | 1.90% | 17 | 6.88% |
| 9 | Regions Bank cert 12368 | $1.73B | 1.33% | 11 | 4.45% |
| 10 | Georgia Banking Company cert 57071 | $1.70B | 1.31% | 4 | 1.62% |
| 11 | Synovus Bank cert 873 | $1.40B | 1.07% | 6 | 2.43% |
| 12 | Fifth Third Bank, National Association cert 6672 | $1.23B | 0.95% | 9 | 3.64% |
| 13 | Cadence Bank cert 11813 | $1.02B | 0.79% | 4 | 1.62% |
| 14 | Renasant Bank cert 12437 | $669.9M | 0.52% | 6 | 2.43% |
| 15 | Citizens Trust Bank cert 8033 | $490.9M | 0.38% | 3 | 1.21% |
| 16 | Southern First Bank cert 35295 | $469.7M | 0.36% | 1 | 0.40% |
| 17 | First Horizon Bank cert 4977 | $455.3M | 0.35% | 2 | 0.81% |
| 18 | City National Bank cert 17281 | $405.8M | 0.31% | 2 | 0.81% |
| 19 | First-Citizens Bank & Trust Company cert 11063 | $395.2M | 0.30% | 3 | 1.21% |
| 20 | United Community Bank cert 16889 | $390.0M | 0.30% | 3 | 1.21% |
| 21 | Touchmark National Bank cert 58687 | $367.6M | 0.28% | 1 | 0.40% |
| 22 | Coastal States Bank cert 57756 | $301.8M | 0.23% | 2 | 0.81% |
| 23 | The Northern Trust Company cert 913 | $270.5M | 0.21% | 1 | 0.40% |
| 24 | Craft Bank cert 59209 | $227.4M | 0.18% | 1 | 0.40% |
| 25 | Signature Bank of Georgia cert 58103 | $206.0M | 0.16% | 2 | 0.81% |
| 26 | Metro City Bank cert 58181 | $187.0M | 0.14% | 1 | 0.40% |
| 27 | BankSouth cert 16418 | $172.1M | 0.13% | 1 | 0.40% |
| 28 | Loyal Trust Bank cert 59182 | $159.5M | 0.12% | 1 | 0.40% |
| 29 | Hyperion Bank cert 58371 | $156.1M | 0.12% | 1 | 0.40% |
| 30 | Bank OZK cert 110 | $144.9M | 0.11% | 4 | 1.62% |
| 31 | PromiseOne Bank cert 58657 | $114.4M | 0.09% | 2 | 0.81% |
| 32 | First IC Bank cert 34998 | $109.6M | 0.08% | 1 | 0.40% |
| 33 | First Carolina Bank cert 35530 | $108.1M | 0.08% | 1 | 0.40% |
| 34 | Shinhan Bank America cert 33188 | $89.6M | 0.07% | 1 | 0.40% |
| 35 | Pinnacle Bank cert 35583 | $85.8M | 0.07% | 3 | 1.21% |
| 36 | Colony Bank cert 22257 | $64.5M | 0.05% | 1 | 0.40% |
| 37 | American Pride Bank cert 58584 | $53.4M | 0.04% | 1 | 0.40% |
| 38 | HomeTrust Bank cert 27677 | $39.3M | 0.03% | 1 | 0.40% |
| 39 | American Commerce Bank, National Association cert 57686 | $31.7M | 0.02% | 1 | 0.40% |
| 40 | United Bank cert 22858 | $25.2M | 0.02% | 1 | 0.40% |
| 41 | Paragon Bank cert 57874 | $14.4M | 0.01% | 1 | 0.40% |
| 42 | Fieldpoint Private Bank & Trust cert 58741 | $6.0M | 0.00% | 1 | 0.40% |
| 43 | Woodforest National Bank cert 23220 | $4.4M | 0.00% | 2 | 0.81% |
| 44 | CIBC National Trust Company cert 91325 | $591K | 0.00% | 1 | 0.40% |
| 45 | Wilmington Trust, National Association cert 34069 | $0K | 0.00% | 1 | 0.40% |
| 46 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.40% |
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.