Oconee County, Georgia, a core county of the Atlanta--Athens-Clarke County--Sandy Springs, GA-AL market, holds $1.7B in deposits across 11 insured institutions and 13 branches. Oconee State Bank is the largest deposit holder at 25.5% share. The top three institutions hold 66.8% of deposits, which places the county in the concentrated band. Deposits have grown 39.1% since 2020 while the branch count fell by 2. It produces $2.0B of output, ranking #942 of the 1,523 counties within a CSA or MSA 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: 15 in 2020 to 13 in 2025. Institutions: 11 to 11. Top-three share: 70.8% to 66.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Oconee State Bank | $439M | 25.5% | +17% |
| Bank of America | $436M | 25.4% | +163% |
| Synovus Bank | $275M | 16.0% | -18% |
| Bank OZK | $142M | 8.3% | +119% |
| BankSouth | $140M | 8.1% | +18% |
| The Commercial Bank | $86M | 5.0% | +47% |
| American Pride Bank | $67M | 3.9% | +304% |
| United Community Bank | $62M | 3.6% | +226% |
| First American Bank and Trust Company | $39M | 2.2% | +14% |
| Pinnacle Bank | $35M | 2.0% | +101% |
The 10 largest of 11 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 organic growth; “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
Oconee 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 0.4% of the market’s output and holds 0.6% of its deposits.
| Measure | Oconee County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.0B | 0.4% |
| Deposits | $1.7B | 0.6% |
| Population | 44,893 | 0.6% |
View the full Atlanta--Athens-Clarke County--Sandy Springs market profile →
Recruiting in Oconee 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 Oconee County, on a retained basis.
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