| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Vallant Bank | Bank | 1 | $162.3M | 39.27% |
| 2 | Northeast Georgia Bank | Bank | 1 | $105.9M | 25.64% |
| 3 | SouthState Bank, National Association | Bank | 1 | $64.6M | 15.64% |
| 4 | First-Citizens Bank & Trust Company | Bank | 1 | $61.0M | 14.76% |
| 5 | North Georgia Credit Union | Credit union | 1 | $19.4M* | 4.69% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $413.2M | 5 | 5 | Vallant Bank | 39.3% | 2,684 |
| 2024 | $396.4M | 5 | 5 | Vallant Bank | 36.4% | 2,530 |
| 2023 | $433.8M | 5 | 5 | Vallant Bank | 34.9% | 2,446 |
| 2022 | $409.3M | 5 | 5 | Vallant Bank | 33.6% | 2,487 |
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.