| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Rabun County Bank | Bank | 2 | $219.8M | 28.98% |
| 2 | United Community Bank | Bank | 1 | $217.0M | 28.60% |
| 3 | Regions Bank | Bank | 1 | $99.3M | 13.09% |
| 4 | First American Bank and Trust Company | Bank | 1 | $67.9M | 8.95% |
| 5 | SouthState Bank, National Association | Bank | 1 | $60.8M | 8.02% |
| 6 | Oconee Federal Savings and Loan Association | Bank | 1 | $47.6M | 6.27% |
| 7 | MyGeorgia Credit Union | Credit union | 1 | $25.0M* | 3.30% |
| 8 | North Georgia Credit Union | Credit union | 1 | $21.2M* | 2.79% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $758.6M | 8 | 9 | Rabun County Bank | 29.0% | 2,032 |
| 2025 | $751.4M | 8 | 9 | United Community Bank | 31.5% | 2,136 |
| 2024 | $690.8M | 8 | 9 | Rabun County Bank | 29.5% | 1,956 |
| 2023 | $673.7M | 7 | 8 | Rabun County Bank | 30.2% | 2,015 |
| 2022 | $686.7M | 7 | 8 | Rabun County Bank | 29.3% | 1,984 |
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.