Branch Presence
Banks with Branches in Valdosta, GA
Pinnacle Bank is the biggest bank in Valdosta, GA, with $476.0M in deposits at its Valdosta branches, 15.6% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
14 banks operate 26 branches in Valdosta, GA, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $3.05B held in Valdosta, GA, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Valdosta | Local deposits | Deposit share |
|---|---|---|---|
| Guardian Bank | 3 | $420.5M | 13.8% (#2) |
| First Federal Savings & Loan Association of Valdosta | 3 | $178.0M | 5.8% (#8) |
| Bank OZK | 3 | $170.9M | 5.6% (#9) |
| Pinnacle Bank | 2 | $476.0M | 15.6% (#1) |
| Bank of America, N.A. | 2 | $329.8M | 10.8% (#4) |
| Renasant Bank | 2 | $270.0M | 8.9% (#5) |
| Farmers & Merchants Bank | 2 | $229.9M | 7.5% (#6) |
| Commercial Banking Company | 2 | $228.9M | 7.5% (#7) |
| Citizens Community Bank | 2 | $107.5M | 3.5% (#11) |
| Ameris Bank | 1 | $351.5M | 11.5% (#3) |
| Regions Bank | 1 | $133.4M | 4.4% (#10) |
| Colony Bank | 1 | $85.7M | 2.8% (#12) |
| Truist Bank | 1 | $65.8M | 2.2% (#13) |
| Community Bank of Georgia | 1 | $2.1M | <0.1% (#14) |
County deposit market: Lowndes, GA
The $3.34B held across 14 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Lowndes, GA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Pinnacle Bank | 16.9% | $562.7M | 3 |
| 2 | Guardian Bank | 12.6% | $420.5M | 3 |
| 3 | Ameris Bank | 10.5% | $351.5M | 1 |
| 4 | Bank of America, N.A. | 9.9% | $329.8M | 2 |
| 5 | Renasant Bank | 8.1% | $270.0M | 2 |
| 6 | Commercial Banking Company | 7.5% | $249.1M | 3 |
| 7 | Bank OZK | 7.2% | $239.6M | 4 |
| 8 | Farmers & Merchants Bank | 6.9% | $229.9M | 2 |
| 9 | First Federal Savings & Loan Association of Valdosta | 6.2% | $208.5M | 4 |
| 10 | Citizens Community Bank | 5.6% | $188.3M | 3 |
Metro area deposit market: Valdosta, GA
The $3.78B held across 16 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Valdosta, GA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Pinnacle Bank | 14.9% | $562.7M | 3 |
| 2 | Ameris Bank | 12.5% | $472.7M | 2 |
| 3 | Guardian Bank | 11.1% | $420.5M | 3 |
| 4 | Farmers & Merchants Bank | 9.8% | $370.5M | 3 |
| 5 | Bank of America, N.A. | 8.7% | $329.8M | 2 |
| 6 | Renasant Bank | 7.1% | $270.0M | 2 |
| 7 | Commercial Banking Company | 6.6% | $249.1M | 3 |
| 8 | Bank OZK | 6.3% | $239.6M | 4 |
| 9 | First Federal Savings & Loan Association of Valdosta | 5.5% | $208.5M | 4 |
| 10 | Citizens Community Bank | 5.3% | $200.0M | 4 |
Banks in Valdosta: common questions
What is the biggest bank in Valdosta, GA?
Pinnacle Bank is the biggest bank in Valdosta, GA, with $476.0M in deposits at its Valdosta branches, 15.6% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
How many banks are in Valdosta, GA?
14 FDIC-insured banks operate 26 branches in Valdosta, GA as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Valdosta, GA?
Ranked by deposits held in Valdosta branches as of the June 30, 2026 FDIC Summary of Deposits: 1. Pinnacle Bank (15.6%); 2. Guardian Bank (13.8%); 3. Ameris Bank (11.5%); 4. Bank of America, N.A. (10.8%); 5. Renasant Bank (8.9%). The share is each bank's part of all deposits in the city.
Largest banks in Georgia
For the state as a whole, see the largest banks in Georgia, ranked by total assets and by deposits in Georgia branches, or every bank in the Georgia bank directory.
Banks in other Georgia cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.