Madison County, Georgia, a county in the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $229M in deposits across 2 insured institutions and 4 branches. The Commercial Bank is the largest deposit holder at 55.3% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have fallen 14.2% since 2020 while the branch count fell by 4. It produces $693M of output, ranking #1,287 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 8 in 2020 to 4 in 2025. Institutions: 4 to 2. Top-three share: 85.1% to 100.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Commercial Bank | $127M | 55.3% | +163% |
| First-Citizens Bank & Trust Company | $103M | 44.7% | -10% |
The 2 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 Atlanta--Athens-Clarke County--Sandy Springs market
Madison 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 0.1% of the market’s output and holds 0.1% of its deposits.
| Measure | Madison County | Share of Atlanta--Athens-Clarke County--Sandy Springs market |
|---|---|---|
| 2024 GDP | $693M | 0.1% |
| Deposits | $229M | 0.1% |
| Population | 32,919 | 0.4% |
View the full Atlanta--Athens-Clarke County--Sandy Springs market profile →
Recruiting in Madison 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 Madison County, on a retained basis.
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