| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Vallant Bank | Bank | 3 | $423.2M | 70.17% |
| 2 | Northeast Georgia Bank | Bank | 1 | $77.7M | 12.88% |
| 3 | Regions Bank | Bank | 1 | $76.3M | 12.64% |
| 4 | Oconee State Bank | Bank | 1 | $23.9M | 3.96% |
| 5 | E L C O Federal Credit Union | Credit union | 1 | $2.1M* | 0.35% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $603.2M | 5 | 7 | Vallant Bank | 70.2% | 5,265 |
| 2025 | $578.1M | 5 | 7 | Vallant Bank | 69.6% | 5,194 |
| 2024 | $542.6M | 5 | 7 | Vallant Bank | 69.6% | 5,212 |
| 2023 | $508.1M | 5 | 7 | Vallant Bank | 66.8% | 4,887 |
| 2022 | $492.8M | 5 | 7 | Vallant Bank | 65.4% | 4,727 |
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.