Market Intelligence

Lee County, GA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Albany, GA › Lee County

Lee County, Georgia, a core county of the Albany, GA market, holds $478M in deposits across 6 insured institutions and 6 branches. Pinnacle Bank is the largest deposit holder at 48.1% share. The top three banks hold 93% of deposits, which places the county in the Concentrated band. Deposits have fallen 10.9% since 2021 while the branch count fell by 25.0%. It produced $818M of real gross domestic product in 2024, ranking #1,251 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$818M
#1,251 of 1,523
Population
34,179
#1,108 of 1,523
GDP per Capita
$23,943
#1,392 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$478M
#1,227 of 1,523
Deposits per Capita
$13,975
#1,257 of 1,523
Deposits per Branch
$80M
#955 of 1,523
Competitive structure
Insured Institutions
6
#1,086 of 1,523
Branches per 100k Pop.
17.6
#1,158 of 1,523
Median Deposits per Institution
$56M
The median deposits booked by a single institution in the county. #1,365 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
51.9%
of county deposits held by banks with $100M to $100B in assets. #1,034 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: Concentrated
93%
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)-10.9% over 5 years
$536M
2021
$566M
2022
$515M
2023
$526M
2024
$422M
2025
$478M
2026

Branches: 8 in 2021 to 6 in 2026. Institutions: 8 to 6. Top-three share: 75% to 93%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Pinnacle Bank$230M48.1%1-16%
Colony Bank$121M25.4%1+73%
Renasant Bank$94M19.8%1+56%
First State Bank of Blakely$18M3.8%1-12%
PeoplesSouth Bank$9M1.9%1+97%
First National Bank of Decatur County$5M1.0%1no 2021 presence

The 6 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 Albany market

Lee County is one of 4 counties that make up the Albany, GA market, a Metropolitan Statistical Area (ranked #252 of 293 U.S. markets by economic output). It produces 13.0% of the market’s output and holds 14.4% of its deposits.

MeasureLee CountyShare of parent market
2024 GDP$818M13.0%
Deposits$478M14.4%
Population34,17923.5%

View the full Albany market profile →

Recruiting in Lee 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 Lee County.

See how we help banks recruit commercial banking talent