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Oconee County, GA Bank Deposit Market Share

Bank of America, N.A. holds the largest share of deposits in Oconee County, GA, 25.4%, followed by Oconee State Bank (24.9%) and Pinnacle Bank (14.8%). 11 institutions hold $1.85B at 13 offices as of June 30, 2026, up 7.4% from 2025.

Institutions: 11 Offices: 13 Deposits: $1.85B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Pinnacle Bank (14.80 points, new to this market); American Pride Bank (1.46 points); Vallant Bank (0.47 points).

Lost: Oconee State Bank (-0.62 points); Banksouth (-0.54 points); Bank OZK (-0.40 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Bank of America, N.A. 1 $470.2M 25.43% +0.08 pts 7.8%
2 Oconee State Bank 2 $459.5M 24.85% -0.62 pts 4.8%
3 Pinnacle Bank 2 $273.6M 14.80% +14.80 pts New
4 Bank OZK 1 $145.7M 7.88% -0.40 pts 2.3%
5 Banksouth 1 $140.6M 7.60% -0.54 pts 0.3%
6 The Commercial Bank 1 $99.7M 5.39% +0.38 pts 15.5%
7 American Pride Bank 1 $98.9M 5.35% +1.46 pts 47.9%
8 United Community Bank 1 $65.5M 3.54% -0.05 pts 5.9%
9 First American Bank and Trust Company 1 $48.7M 2.64% +0.39 pts 25.9%
10 Vallant Bank 1 $46.0M 2.49% +0.47 pts 32.6%
11 Magnolia State Bank 1 $426K 0.02% +0.00 pts —

About this list

Deposits are those held at each institution's offices in Oconee 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 Athens-Clarke County, GA metro area Georgia bank directory

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