Market Intelligence

Meriwether County, GA

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

Meriwether County, Georgia, a county in the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $257M in deposits across 4 insured institutions and 4 branches. Colony Bank is the largest deposit holder at 39.5% share. The top three banks hold 87% of deposits, which places the county in the Concentrated band. Deposits have fallen 10.4% since 2020 while the branch count fell by 33.3%. It produces $682M of output, ranking #1,290 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$682M
#1,290 of 1,523
Population
21,516
#1,279 of 1,523
GDP per Capita
$31,712
#1,171 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$257M
#1,375 of 1,523
Deposits per Capita
$11,951
#1,346 of 1,523
Deposits per Branch
$64M
#1,175 of 1,523
Competitive structure
Insured Institutions
4
#1,287 of 1,523
Branches per 100k Pop.
18.6
#1,098 of 1,523
Median Deposits per Institution
$61M
The median deposits booked by a single institution in the county. #1,304 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
70.5%
of county deposits held by banks with $100M to $100B in assets. #788 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
87%
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)-10.4% over 5 years
$287M
2020
$251M
2021
$304M
2022
$296M
2023
$296M
2024
$257M
2025

Branches: 6 in 2020 to 4 in 2025. Institutions: 5 to 4. Top-three share: 78% to 87%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Colony Bank$101M39.4%1no 2020 presence
F & M Bank and Trust Company$76M29.5%1+2%
First Peoples Bank$47M18.3%1+15%
United Bank$33M12.8%1-17%

The 4 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 Atlanta--Athens-Clarke County--Sandy Springs market

Meriwether 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.

MeasureMeriwether CountyShare of parent market
2024 GDP$682M0.1%
Deposits$257M0.1%
Population21,5160.3%

View the full Atlanta--Athens-Clarke County--Sandy Springs market profile →

Recruiting in Meriwether 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 Meriwether County.

See how we help banks recruit commercial banking talent