Market Intelligence

Houston County, GA

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

Houston County, Georgia, a core county of the Macon-Bibb County--Warner Robins, GA market, holds $2.5B in deposits across 12 insured institutions and 25 branches. Synovus Bank is the largest deposit holder at 22.3% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have grown 32.1% since 2020. It produces $7.8B of output, ranking #430 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$7.8B
#430 of 1,523
Population
178,214
#391 of 1,523
GDP per Capita
$43,562
#775 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$2.5B
#580 of 1,523
Deposits per Capita
$13,770
#1,263 of 1,523
Deposits per Branch
$98M
#623 of 1,523
Competitive structure
Insured Institutions
12
#524 of 1,523
Branches per 100k Pop.
14.0
#1,345 of 1,523
Median Deposits per Institution
$221M
The median deposits booked by a single institution in the county. #283 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
64.0%
of county deposits held by banks with $100M to $100B in assets. #912 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
49%
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)+32.1% over 5 years
$1.9B
2020
$2.2B
2021
$2.4B
2022
$2.2B
2023
$2.2B
2024
$2.5B
2025

Branches: 25 in 2020 to 25 in 2025. Institutions: 11 to 12. Top-three share: 53% to 49%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Synovus Bank$547M22.3%3+45%
Truist Bank$339M13.8%2+8%
Morris Bank$305M12.4%3+112%
Wells Fargo Bank$277M11.3%2+103%
Bank of America$268M10.9%2+27%
Cadence Bank$260M10.6%3-14%
Sunmark Community Bank$183M7.5%3+62%
American Pride Bank$127M5.2%1+143%
Colony Bank$94M3.8%2+50%
Planters First Bank$48M1.9%2+22%
Bank of Dudley$7M0.3%1no 2020 presence
PeoplesSouth Bank$1M<0.1%1no 2020 presence

The 12 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 Macon-Bibb County--Warner Robins market

Houston County is one of 7 counties that make up the Macon-Bibb County--Warner Robins, GA market, a Combined Statistical Area (ranked #134 of 293 U.S. markets by economic output). It produces 39.0% of the market’s output and holds 31.0% of its deposits.

MeasureHouston CountyShare of parent market
2024 GDP$7.8B39.0%
Deposits$2.5B31.0%
Population178,21439.9%

View the full Macon-Bibb County--Warner Robins market profile →

Recruiting in Houston 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 Houston County.

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