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Lowndes County, GA Bank Deposit Market Share

Pinnacle Bank holds the largest share of deposits in Lowndes County, GA, 16.9%, followed by Guardian Bank (12.6%) and Ameris Bank (10.5%). 14 institutions hold $3.34B at 31 offices as of June 30, 2026, up 6.7% from 2025.

Institutions: 14 Offices: 31 Deposits: $3.34B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Pinnacle Bank (16.86 points, new to this market); Farmers & Merchants Bank (1.50 points); Commercial Banking Company (1.18 points).

Lost: Bank of America, N.A. (-0.90 points); Renasant Bank (-0.85 points); Bank OZK (-0.57 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Pinnacle Bank 3 $562.7M 16.86% +16.86 pts New
2 Guardian Bank 3 $420.5M 12.60% -0.36 pts 3.7%
3 Ameris Bank 1 $351.5M 10.53% +1.01 pts 18.0%
4 Bank of America, N.A. 2 $329.8M 9.88% -0.90 pts -2.1%
5 Renasant Bank 2 $270.0M 8.09% -0.85 pts -3.4%
6 Commercial Banking Company 3 $249.1M 7.47% +1.18 pts 26.8%
7 Bank OZK 4 $239.6M 7.18% -0.57 pts -1.1%
8 Farmers & Merchants Bank 2 $229.9M 6.89% +1.50 pts 36.3%
9 First Federal Savings & Loan Association of Valdosta 4 $208.5M 6.25% +0.06 pts 7.8%
10 Citizens Community Bank 3 $188.3M 5.64% +0.12 pts 9.1%
11 Regions Bank 1 $133.4M 4.00% -0.23 pts 1.0%
12 Colony Bank 1 $85.7M 2.57% +0.01 pts 7.2%
13 Truist Bank 1 $65.8M 1.97% -0.10 pts 1.5%
14 Community Bank of Georgia 1 $2.1M 0.06% +0.06 pts New

About this list

Deposits are those held at each institution's offices in Lowndes County 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.

Wider markets

Georgia deposits by institution Valdosta, GA metro area Georgia bank directory

Other counties in Georgia

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