Lowndes County, Georgia, a core county of the Valdosta, GA market, holds $3.3B in deposits across 14 insured institutions and 31 branches. Pinnacle Bank is the largest deposit holder at 16.9% share. The top three banks hold 40% of deposits, which places the county in the Fragmented band. Deposits have grown 24.5% since 2021 while the branch count fell by 3.1%. It produced $5.4B of real gross domestic product in 2024, ranking #563 of the 1,523 ranked counties by economic output.
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
Branches: 32 in 2021 to 31 in 2026. Institutions: 14 to 14. Top-three share: 45% to 40%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Pinnacle Bank | $563M | 16.9% | -1% |
| Guardian Bank | $420M | 12.6% | +25% |
| Ameris Bank | $351M | 10.5% | +64% |
| Bank of America | $330M | 9.9% | +9% |
| Renasant Bank | $270M | 8.1% | +21% |
| Commercial Banking Company | $249M | 7.5% | +49% |
| Bank OZK | $240M | 7.2% | +13% |
| Farmers and Merchants Bank | $230M | 6.9% | +54% |
| First Federal Savings and Loan Association of Valdosta | $209M | 6.2% | +39% |
| Citizens Community Bank | $188M | 5.6% | +25% |
| Regions Bank | $133M | 4.0% | +8% |
| Colony Bank | $86M | 2.6% | +122% |
| Truist Bank | $66M | 2.0% | +56% |
| Community Bank of Georgia | $2M | 0.1% | no 2021 presence |
The 14 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 Valdosta market
Lowndes County is one of 4 counties that make up the Valdosta, GA market, a Metropolitan Statistical Area (ranked #254 of 293 U.S. markets by economic output). It produces 89.3% of the market’s output and holds 88.4% of its deposits.
| Measure | Lowndes County | Share of parent market |
|---|---|---|
| 2024 GDP | $5.4B | 89.3% |
| Deposits | $3.3B | 88.4% |
| Population | 122,867 | 80.2% |
View the full Valdosta market profile →
Recruiting in Lowndes County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Lowndes County.
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