| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Farmers and Merchants Bank | Bank | 1 | $179.9M | 39.50% |
| 2 | Bank of Alapaha | Bank | 3 | $156.1M | 34.27% |
| 3 | First Commerce Credit Union | Credit union | 1 | $75.2M* | 16.51% |
| 4 | Southeastern Credit Union | Credit union | 1 | $43.2M* | 9.48% |
| 5 | Berrien Teachers Federal Credit Union | Credit union | 1 | $1.1M* | 0.24% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $455.4M | 5 | 7 | Farmers and Merchants Bank | 39.5% | 3,097 |
| 2025 | $432.2M | 5 | 7 | Farmers and Merchants Bank | 38.1% | 3,064 |
| 2024 | $398.2M | 5 | 7 | Bank of Alapaha | 36.6% | 2,978 |
| 2023 | $470.5M | 5 | 8 | First Commerce Credit Union | 32.0% | 2,789 |
| 2022 | $484.7M | 5 | 8 | Bank of Alapaha | 31.7% | 2,798 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.