Market Intelligence

DeKalb County, GA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

DeKalb County, Georgia, a core county of the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $16.1B in deposits across 26 insured institutions and 112 branches. Wells Fargo Bank, National Association is the largest deposit holder at 23.4% share. The top three banks hold 57% of deposits, which places the county in the Moderate band. Deposits have grown 13.9% since 2020 while the branch count fell by 13.8%. It produces $47.2B of output, ranking #100 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$47.2B
#100 of 1,523
Population
774,394
#87 of 1,523
GDP per Capita
$60,941
#336 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$16.1B
#139 of 1,523
Deposits per Capita
$20,745
#852 of 1,523
Deposits per Branch
$143M
#220 of 1,523
Competitive structure
Insured Institutions
26
#121 of 1,523
Branches per 100k Pop.
14.5
#1,317 of 1,523
Median Deposits per Institution
$182M
The median deposits booked by a single institution in the county. #380 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
28.5%
of county deposits held by banks with $100M to $100B in assets. #1,369 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Moderate
57%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2020 to 2025)+13.9% over 5 years
$14.1B
2020
$16.6B
2021
$17.8B
2022
$16.6B
2023
$16.4B
2024
$16.1B
2025

Branches: 130 in 2020 to 112 in 2025. Institutions: 26 to 26. Top-three share: 69% to 57%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$3.8B23.4%18-9%
Bank of America$3.4B21.2%14+6%
Truist Bank$2.0B12.7%19-12%
JPMorgan Chase Bank$1.4B8.8%17+52%
Metro City Bank$1.2B7.2%1+240%
Ameris Bank$1.1B6.6%5+40%
East West Bank$451M2.8%1+155%
Synovus Bank$340M2.1%2+15%
First IC Bank$333M2.1%1+61%
PNC Bank$332M2.1%7+2%
Tandem Bank$209M1.3%1+272%
Regions Bank$194M1.2%4-15%
United Bank$187M1.2%2no 2020 presence
Fifth Third Bank$178M1.1%2+993%
First-Citizens Bank & Trust Company$165M1.0%2+22%
Bank OZK$139M0.9%2+166%
SouthState Bank$127M0.8%2-17%
PromiseOne Bank$118M0.7%1+15%
First Horizon Bank$106M0.7%2-38%
United Community Bank$102M0.6%1+24%
Citizens Trust Bank$92M0.6%2+35%
Wallis Bank$87M0.5%1+191%
Renasant Bank$39M0.2%1-18%
Beal Bank USA$16M0.1%1no 2020 presence
Woodforest National Bank$4M<0.1%2-24%
FSNB$1M<0.1%1+17%

The 26 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Atlanta--Athens-Clarke County--Sandy Springs market

DeKalb 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 8.9% of the market’s output and holds 6.0% of its deposits.

MeasureDeKalb CountyShare of parent market
2024 GDP$47.2B8.9%
Deposits$16.1B6.0%
Population774,39410.4%

View the full Atlanta--Athens-Clarke County--Sandy Springs market profile →

Recruiting in DeKalb County

Deposits are split among a moderate 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 DeKalb County.

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