| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Vallant Bank | Bank | 3 | $402.3M | 69.58% |
| 2 | Northeast Georgia Bank | Bank | 1 | $77.5M | 13.41% |
| 3 | Regions Bank | Bank | 1 | $72.9M | 12.60% |
| 4 | Oconee State Bank | Bank | 1 | $21.6M | 3.73% |
| 5 | E L C O Federal Credit Union | Credit union | 1 | $3.9M* | 0.68% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $578.1M | 5 | 7 | Vallant Bank | 69.6% | 5,194 |
| 2024 | $542.6M | 5 | 7 | Vallant Bank | 69.6% | 5,212 |
| 2023 | $489.4M | 4 | 6 | Vallant Bank | 69.3% | 5,254 |
| 2022 | $471.2M | 4 | 6 | Vallant Bank | 68.4% | 5,148 |
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.