County banking markets / GA / 13289

TwiggsGeorgia

FIPS 13289. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025 (present in 31 of those 32 surveys). One of 156 counties in Georgia’s 2025 survey.

Gaps in the panel. This code reports no branch in 1 survey year between 1994 and 2025. Those years carry no point on the charts below, which join the surveys either side of them.

Branch offices

June 30, 2025

Institutions

1 in 1994

5,000

Branch-count HHI

highly concentrated (2010 HMG)

6,403

Deposit HHI

see the caveat below

Read the deposit HHI here with care. The Four County Bank books 76.5% of this county’s SOD deposits from 1 of 2 branch offices (50.0% of them). The Fed calls this pattern central booking. The deposit HHI here reads 6,403, the branch-count HHI 5,000. These pages lead with the branch measure, which central booking cannot move.

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 highly concentrated on branches (5,000) and highly concentrated on deposits (6,403).

Branch-count HHIDeposit HHI

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

1 branch office and 1 institution in 1994; 2 and 2 in 2025. Deposits booked in the county went from $10.5M to $101.7M, nominal.

Branch officesInstitutions

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	The Four County Bank cert 15904	$77.8M	76.49%	1	50.00%
2	Bank of Dudley cert 9068	$23.9M	23.51%	1	50.00%

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.