Carroll County, Georgia, a county in the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $3.2B in deposits across 11 insured institutions and 20 branches. Bank OZK is the largest deposit holder at 33.3% share. The top three institutions hold 60.6% of deposits, which places the county in the concentrated band. Deposits have grown 39.0% since 2020. It produces $6.7B of output, ranking #490 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 20 in 2020 to 20 in 2025. Institutions: 9 to 11. Top-three share: 67.8% to 60.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank OZK | $1.1B | 33.3% | +58% |
| Synovus Bank | $445M | 13.9% | +16% |
| Truist Bank | $428M | 13.4% | -15% |
| United Community Bank | $391M | 12.2% | +30% |
| Southern States Bank | $298M | 9.3% | +280% |
| Wells Fargo Bank, National Association | $186M | 5.8% | +172% |
| Regions Bank | $157M | 4.9% | +36% |
| Bank of America, National Association | $111M | 3.5% | +7% |
| SouthState Bank, National Association | $77M | 2.4% | +4% |
| American Commerce Bank, National Association | $39M | 1.2% | no 2020 presence |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Atlanta--Athens-Clarke County--Sandy Springs market
Carroll County is one of 42 counties that make up the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, a Combined Statistical Area (ranked #10 of 293 U.S. markets by economic output). It produces 1.3% of the market’s output and holds 1.2% of its deposits.
| Measure | Carroll County | Share of Atlanta--Athens-Clarke County--Sandy Springs market |
|---|---|---|
| 2024 GDP | $6.7B | 1.3% |
| Deposits | $3.2B | 1.2% |
| Population | 131,036 | 1.8% |
View the full Atlanta--Athens-Clarke County--Sandy Springs market profile →
Recruiting in Carroll County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Carroll County, on a retained basis.
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