County banking markets / GA / 13135
GwinnettGeorgia
FIPS 13135. 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 (644) and unconcentrated on deposits (1,009).
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
109 branch offices and 21 institutions in 1994; 167 and 40 in 2025. Deposits booked in the county went from $2.95B to $24.36B, 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 | Wells Fargo Bank, National Association cert 3511 | $4.79B | 19.65% | 21 | 12.57% |
| 2 | Bank of America, National Association cert 3510 | $4.22B | 17.34% | 17 | 10.18% |
| 3 | Truist Bank cert 9846 | $3.17B | 13.03% | 17 | 10.18% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $1.95B | 8.01% | 16 | 9.58% |
| 5 | Renasant Bank cert 12437 | $1.02B | 4.19% | 9 | 5.39% |
| 6 | Metro City Bank cert 58181 | $749.7M | 3.08% | 5 | 2.99% |
| 7 | United Community Bank cert 16889 | $720.3M | 2.96% | 3 | 1.80% |
| 8 | Regions Bank cert 12368 | $640.0M | 2.63% | 8 | 4.79% |
| 9 | East West Bank cert 31628 | $624.1M | 2.56% | 1 | 0.60% |
| 10 | United Bank cert 22858 | $607.9M | 2.50% | 4 | 2.40% |
| 11 | PNC Bank, National Association cert 6384 | $520.5M | 2.14% | 11 | 6.59% |
| 12 | Peoples Bank & Trust cert 25795 | $505.0M | 2.07% | 1 | 0.60% |
| 13 | Ameris Bank cert 20504 | $426.2M | 1.75% | 7 | 4.19% |
| 14 | Shinhan Bank America cert 33188 | $410.7M | 1.69% | 1 | 0.60% |
| 15 | Fifth Third Bank, National Association cert 6672 | $398.9M | 1.64% | 9 | 5.39% |
| 16 | First IC Bank cert 34998 | $389.3M | 1.60% | 3 | 1.80% |
| 17 | First-Citizens Bank & Trust Company cert 11063 | $348.5M | 1.43% | 2 | 1.20% |
| 18 | PromiseOne Bank cert 58657 | $329.2M | 1.35% | 3 | 1.80% |
| 19 | Synovus Bank cert 873 | $311.4M | 1.28% | 4 | 2.40% |
| 20 | Bank OZK cert 110 | $299.8M | 1.23% | 3 | 1.80% |
| 21 | HomeTrust Bank cert 27677 | $248.8M | 1.02% | 1 | 0.60% |
| 22 | Georgia Banking Company cert 57071 | $211.2M | 0.87% | 2 | 1.20% |
| 23 | TIB National Association cert 23647 | $198.3M | 0.81% | 1 | 0.60% |
| 24 | Bank of Hope cert 26610 | $179.3M | 0.74% | 1 | 0.60% |
| 25 | Embassy National Bank cert 58413 | $164.0M | 0.67% | 1 | 0.60% |
| 26 | Legacy State Bank cert 57882 | $145.2M | 0.60% | 1 | 0.60% |
| 27 | Pinnacle Bank cert 14065 | $143.6M | 0.59% | 1 | 0.60% |
| 28 | Woori America Bank cert 24920 | $140.6M | 0.58% | 1 | 0.60% |
| 29 | First Horizon Bank cert 4977 | $104.8M | 0.43% | 1 | 0.60% |
| 30 | New Millennium Bank cert 35151 | $78.6M | 0.32% | 1 | 0.60% |
| 31 | Oconee State Bank cert 18143 | $75.6M | 0.31% | 1 | 0.60% |
| 32 | First American Bank and Trust Company cert 16858 | $73.4M | 0.30% | 1 | 0.60% |
| 33 | Cadence Bank cert 11813 | $43.7M | 0.18% | 1 | 0.60% |
| 34 | Hanmi Bank cert 24170 | $36.3M | 0.15% | 1 | 0.60% |
| 35 | Wallis Bank cert 20845 | $31.4M | 0.13% | 1 | 0.60% |
| 36 | Central Bank cert 58377 | $25.0M | 0.10% | 1 | 0.60% |
| 37 | Capital City Bank cert 9622 | $11.5M | 0.05% | 2 | 1.20% |
| 38 | PCB Bank cert 57463 | $5.9M | 0.02% | 1 | 0.60% |
| 39 | Woodforest National Bank cert 23220 | $2.2M | 0.01% | 1 | 0.60% |
| 40 | Pinnacle Bank cert 35583 | $998K | 0.00% | 1 | 0.60% |
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.