| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Farmers and Merchants Bank | Bank | 1 | $164.9M | 38.15% |
| 2 | Bank of Alapaha | Bank | 3 | $150.9M | 34.92% |
| 3 | First Commerce Credit Union | Credit union | 1 | $75.3M* | 17.42% |
| 4 | Southeastern Credit Union | Credit union | 1 | $40.0M* | 9.26% |
| 5 | Berrien Teachers Federal Credit Union | Credit union | 1 | $1.1M* | 0.25% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 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 | $468.3M | 5 | 8 | First Commerce Credit Union | 31.8% | 2,791 |
| 2022 | $482.6M | 5 | 8 | Bank of Alapaha | 31.8% | 2,801 |
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.