| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Lake City Bank | Bank | 1 | $236.6M | 16.33% |
| 2 | The Garrett State Bank | Bank | 3 | $221.3M | 15.27% |
| 3 | Beacon Credit Union | Credit union | 3 | $185.8M* | 12.82% |
| 4 | Community State Bank | Bank | 1 | $152.3M | 10.51% |
| 5 | The Farmers & Merchants State Bank | Bank | 2 | $92.7M | 6.40% |
| 6 | Horizon Bank | Bank | 2 | $91.3M | 6.30% |
| 7 | Three Rivers Federal Credit Union | Credit union | 1 | $83.2M* | 5.74% |
| 8 | Flagstar Bank, National Association | Bank | 1 | $70.7M | 4.88% |
| 9 | PNC Bank, National Association | Bank | 1 | $63.2M | 4.36% |
| 10 | Farmers and Merchants Bank | Bank | 1 | $61.4M | 4.24% |
| 7 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 |
|---|---|---|---|---|---|---|
| 2026 | $1.45B | 17 | 25 | Lake City Bank | 16.3% | 986 |
| 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 | $936.8M | 12 | 17 | The Garrett State Bank | 21.0% | 1,326 |
| 2022 | $970.1M | 12 | 17 | Lake City Bank | 24.3% | 1,397 |
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.