Market Intelligence

Henry County, GA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Henry County, Georgia, a core county of the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $3.2B in deposits across 16 insured institutions and 38 branches. Wells Fargo Bank is the largest deposit holder at 19.7% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 8.1% since 2021 while the branch count rose by 2.7%. It produced $9.0B of real gross domestic product in 2024, ranking #390 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$9.0B
#390 of 1,523
Population
264,922
#280 of 1,523
GDP per Capita
$33,944
#1,095 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$3.2B
#479 of 1,523
Deposits per Capita
$12,070
#1,356 of 1,523
Deposits per Branch
$84M
#874 of 1,523
Competitive structure
Insured Institutions
16
#338 of 1,523
Branches per 100k Pop.
14.3
#1,324 of 1,523
Median Deposits per Institution
$94M
The median deposits booked by a single institution in the county. #970 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
38.7%
of county deposits held by banks with $100M to $100B in assets. #1,207 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
54%
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, 2021 to 2026)+8.1% over 5 years
$3.0B
2021
$3.3B
2022
$3.2B
2023
$3.1B
2024
$3.2B
2025
$3.2B
2026

Branches: 37 in 2021 to 38 in 2026. Institutions: 14 to 16. Top-three share: 55% to 54%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$631M19.7%4+7%
Ameris Bank$606M19.0%7+10%
Bank of America$489M15.3%3+21%
Truist Bank$448M14.0%4-9%
United Community Bank$249M7.8%2-13%
JPMorgan Chase Bank$216M6.8%4+155%
Renasant Bank$164M5.1%3-34%
Bank OZK$131M4.1%2+111%
First National Bank of Griffin$56M1.8%2-7%
PNC Bank$56M1.7%1+8%
Regions Bank$56M1.7%1+5%
Pinnacle Bank$50M1.6%1-2%
First Peoples Bank$27M0.8%1no 2021 presence
Fifth Third Bank$14M0.4%1no 2021 presence
Bank of Dudley$4M0.1%1no 2021 presence
Woodforest National Bank$1M<0.1%1-64%

The 16 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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

Henry 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 1.7% of the market’s output and holds 1.2% of its deposits.

MeasureHenry CountyShare of parent market
2024 GDP$9.0B1.7%
Deposits$3.2B1.2%
Population264,9223.6%

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

Recruiting in Henry 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 Henry County.

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