Lists · Deposits by metro area
Valdosta, GA Metro Area Bank Deposit Market Share
Pinnacle Bank holds the largest share of deposits in the Valdosta, GA metro area, 14.9%, followed by Ameris Bank (12.5%) and Guardian Bank (11.1%). 16 institutions hold $3.78B at 37 offices as of June 30, 2026, up 5.0% from 2025.
Largest share changes since 2025
Gained: Pinnacle Bank (14.90 points, new to this market); Farmers & Merchants Bank (1.33 points); Commercial Banking Company (1.13 points).
Lost: Bank of America, N.A. (-0.64 points); Renasant Bank (-0.62 points); Colony Bank (-0.57 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Pinnacle Bank | $562.7M | 14.90% | +14.90 pts |
| 2 | Ameris Bank | $472.7M | 12.52% | +0.42 pts |
| 3 | Guardian Bank | $420.5M | 11.13% | -0.13 pts |
| 4 | Farmers & Merchants Bank | $370.5M | 9.81% | +1.33 pts |
| 5 | Bank of America, N.A. | $329.8M | 8.73% | -0.64 pts |
| 6 | Renasant Bank | $270.0M | 7.15% | -0.62 pts |
| 7 | Commercial Banking Company | $249.1M | 6.60% | +1.13 pts |
| 8 | Bank OZK | $239.6M | 6.35% | -0.39 pts |
| 9 | First Federal Savings & Loan Association of Valdosta | $208.5M | 5.52% | +0.14 pts |
| 10 | Citizens Community Bank | $200.0M | 5.30% | +0.11 pts |
| 11 | Regions Bank | $133.4M | 3.53% | -0.14 pts |
| 12 | The Citizens National Bank of Quitman | $119.0M | 3.15% | -0.09 pts |
| 13 | Colony Bank | $109.6M | 2.90% | -0.57 pts |
| 14 | Truist Bank | $65.8M | 1.74% | -0.06 pts |
| 15 | Barwick Banking Company | $23.1M | 0.61% | +0.01 pts |
| 16 | Community Bank of Georgia | $2.1M | 0.06% | +0.06 pts |
About this list
Deposits are those held at each institution's offices in Valdosta, GA (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.
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