Lowndes County, Georgia, a core county of the Valdosta, GA market, holds $3.1B in deposits across 13 insured institutions and 31 branches. Synovus Bank is the largest deposit holder at 17.8% share. The top three institutions hold 41.5% of deposits, which places the county in the fragmented band. Deposits have grown 25.9% since 2020 while the branch count fell by 4. It produces $5.4B of output, ranking #563 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 35 in 2020 to 31 in 2025. Institutions: 15 to 13. Top-three share: 46.7% to 41.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Synovus Bank | $556M | 17.8% | -7% |
| Guardian Bank | $405M | 13.0% | +33% |
| Bank of America, National Association | $337M | 10.8% | +32% |
| Ameris Bank | $298M | 9.5% | +79% |
| Renasant Bank | $279M | 8.9% | +237% |
| Bank OZK | $242M | 7.8% | +37% |
| Commercial Banking Company | $197M | 6.3% | +34% |
| First Federal Savings and Loan Association of Valdosta | $194M | 6.2% | +43% |
| Citizens Community Bank | $173M | 5.5% | +33% |
| Farmers and Merchants Bank | $169M | 5.4% | +16% |
The 10 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 86.9% of its deposits.
| Measure | Lowndes County | Share of Valdosta market |
|---|---|---|
| 2024 GDP | $5.4B | 89.3% |
| Deposits | $3.1B | 86.9% |
| 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, on a retained basis.
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