| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | The Garrett State Bank | Bank | 3 | $222.7M | 16.83% |
| 2 | Lake City Bank | Bank | 1 | $216.2M | 16.34% |
| 3 | Beacon Credit Union | Credit union | 3 | $161.6M* | 12.21% |
| 4 | Community State Bank | Bank | 1 | $130.1M | 9.83% |
| 5 | Horizon Bank | Bank | 2 | $93.9M | 7.10% |
| 6 | The Farmers & Merchants State Bank | Bank | 2 | $87.6M | 6.62% |
| 7 | Three Rivers Federal Credit Union | Credit union | 1 | $81.1M* | 6.13% |
| 8 | Flagstar Bank, National Association | Bank | 1 | $67.6M | 5.10% |
| 9 | Farmers and Merchants Bank | Bank | 1 | $61.1M | 4.61% |
| 10 | PNC Bank, National Association | Bank | 1 | $60.9M | 4.60% |
| 6 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2025 | $1.32B | 16 | 24 | The Garrett State Bank | 16.8% | 1,026 |
| 2024 | $993.4M | 12 | 17 | Lake City Bank | 21.8% | 1,345 |
| 2023 | $938.0M | 12 | 17 | The Garrett State Bank | 21.0% | 1,324 |
| 2022 | $971.4M | 12 | 17 | Lake City Bank | 24.2% | 1,394 |
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.