Market Intelligence

Atlanta--Athens-Clarke County--Sandy Springs, GA-AL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Atlanta--Athens-Clarke County--Sandy Springs, GA-AL

Atlanta--Athens-Clarke County--Sandy Springs, GA-AL, a Combined Statistical Area, holds $277.2 billion in deposits across 97 insured institutions and 1,236 branches, and ranks #10 of 293 U.S. markets by economic output. Truist Bank is the largest deposit holder at 22.0% share. The top three banks hold 55% of deposits, which places the market in the Moderate band. Deposits have grown 8.2% since 2021 while the branch count fell by 5.9%.

Economic scale
2024 Real GDP
$529.6B
#10 of 293
Population
7.43M
#10 of 293
GDP per Capita
$71,315
#30 of 293
Deposit market
Deposits (SOD, 6/30/26)
$277.2B
#14 of 293
Deposits per Capita
$37,325
#64 of 293
Deposits per Branch
$224M
#32 of 293
Competitive structure
Insured Institutions
97
#11 of 293
Branches per 100k Pop.
16.6
#248 of 293
Median Deposits per Institution
$321M
The median deposits booked by a single institution in the market. #81 of 293. 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
26.5%
of market deposits held by banks with $100M to $100B in assets. #269 of 293. 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: Moderate
55%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Market Deposits (SOD, 2021 to 2026) +8.2% over 5 years
$256.2B
2021
$266.0B
2022
$258.1B
2023
$257.3B
2024
$267.3B
2025
$277.2B
2026

Branches: 1,314 in 2021 to 1,236 in 2026. Institutions: 99 to 97. Top-three share: 61% to 55%. Average deposits per branch: $224M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
Truist Bank$61.0B22.0%146-2%
Bank of America$51.9B18.7%107+5%
Wells Fargo Bank$39.4B14.2%138-11%
Pinnacle Bank$19.6B7.1%57+45%
JPMorgan Chase Bank$13.5B4.9%112+26%
Ameris Bank$9.5B3.4%61+19%
RBC Bank, (Georgia)$8.5B3.1%1+66%
Regions Bank$8.1B2.9%86+17%
United Community Bank$7.7B2.8%43+24%
Bank OZK$7.0B2.5%51+74%
SouthState Bank$6.1B2.2%26-5%
PNC Bank$4.3B1.6%59+22%
Renasant Bank$3.4B1.2%36-16%
Metro City Bank$2.9B1.0%12+26%
Georgia Banking Company$2.9B1.0%10+200%
Fifth Third Bank$2.4B0.9%40-3%
First-Citizens Bank & Trust Company$1.7B0.6%17-3%
United Bank$1.4B0.5%14+13%
The Huntington National Bank$1.4B0.5%8-50%
United Bank$1.4B0.5%13-2%
East West Bank$1.4B0.5%3+6%
First Horizon Bank$1.3B0.5%10-26%
ServisFirst Bank$1.1B0.4%2+72%
Vallant Bank$1.1B0.4%15+11%
FirstBank$974M0.4%5+88%
Coastal States Bank$781M0.3%5+41%
Affinity Bank$732M0.3%2+17%
Peach State Bank & Trust$707M0.3%2+59%
First American Bank and Trust Company$685M0.2%6+5%
First Century Bank$653M0.2%1+160%
Colony Bank$623M0.2%7-14%
Oconee State Bank$584M0.2%4+21%
Citizens Trust Bank$582M0.2%5+31%
Southern First Bank$573M0.2%1+172%
PromiseOne Bank$559M0.2%6+19%
Community Bank of Pickens County$538M0.2%2+26%
The Citizens Bank of Georgia$531M0.2%4+28%
Peoples Bank & Trust$505M0.2%1+29%
Shinhan Bank America$504M0.2%2+32%
The Commercial Bank$419M0.2%5+27%
Bank of Madison$398M0.1%4+23%
First National Community Bank$369M0.1%7+19%
Touchmark National Bank$356M0.1%10%
American Commerce Bank$342M0.1%3+16%
BankSouth$337M0.1%2+80%
The Northern Trust Company$336M0.1%1+16%
City National Bank$329M0.1%2+2%
First National Bank of Griffin$321M0.1%6-1%
River City Bank$321M0.1%1+72%
HomeTrust Bank$287M0.1%2-48%
Classic City Bank$278M0.1%1+207%
Craft Bank$260M0.1%2+487%
Bank of Hope$251M0.1%1no 2021 presence
Millennium Bank$227M0.1%2+38%
Farmers and Merchants Bank$225M0.1%2+31%
TIB$217M0.1%1-43%
Hyperion Bank$209M0.1%1+265%
First Community Bank$209M0.1%1+23%
Woori America Bank$199M0.1%1no 2021 presence
Embassy National Bank$199M0.1%1+99%
Legacy State Bank$180M0.1%2+45%
Loyal Trust Bank$175M0.1%1+104%
Anchor Bank$175M0.1%3+100%
Capital City Bank$159M0.1%8+30%
First Peoples Bank$154M0.1%4+325%
American Pride Bank$153M0.1%2+607%
Bank of Monticello$136M<0.1%10%
West Central Georgia Bank$124M<0.1%2+11%
Seacoast National Bank$123M<0.1%1no 2021 presence
Wallis Bank$110M<0.1%2+134%
First Carolina Bank$108M<0.1%1no 2021 presence
Northeast Georgia Bank$107M<0.1%2+27%
Rabun County Bank$101M<0.1%2+222%
New Millennium Bank$81M<0.1%1no 2021 presence
Builtwell Bank$79M<0.1%1+5%
First Bank of Pike$78M<0.1%3+23%
F & M Bank and Trust Company$77M<0.1%10%
BankUnited$77M<0.1%1no 2021 presence
Farmers and Merchants Bank$71M<0.1%1+15%
The Peoples Bank of Georgia$64M<0.1%1+803%
Hanmi Bank$60M<0.1%1no 2021 presence
AuburnBank$59M<0.1%1+5%
PCB Bank$54M<0.1%1no 2021 presence
Talbot State Bank$32M<0.1%1-24%
Central Bank$29M<0.1%1no 2021 presence
Woodforest National Bank$24M<0.1%11-43%
Paragon Bank$21M<0.1%1no 2021 presence
Beal Bank USA$15M<0.1%1+33%
Exchange Bank$5M<0.1%1no 2021 presence
Bank of Dudley$4M<0.1%1no 2021 presence
FSNB$2M<0.1%3-56%
First City Bank$1M<0.1%1no 2021 presence
CIBC National Trust Company$1M<0.1%1+7%
Magnolia State Bank<$1M<0.1%1no 2021 presence
U.S. Bank<$1M<0.1%1-100%
Wilmington Trust$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence

The 97 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Fulton CountyGeorgia$201.2B1,098,79138.0%48.8%
Cobb CountyGeorgia$64.9B793,34512.3%11.1%
Gwinnett CountyGeorgia$56.4B1,018,09910.6%9.0%
DeKalb CountyGeorgia$47.2B774,3948.9%5.8%
Clayton CountyGeorgia$21.2B297,4714.0%0.7%
Hall CountyGeorgia$13.8B226,5682.6%2.1%
Forsyth CountyGeorgia$12.6B282,8052.4%2.7%
Cherokee CountyGeorgia$10.1B299,2731.9%2.0%
Henry CountyGeorgia$9.0B264,9221.7%1.2%
Clarke CountyGeorgia$8.4B129,9211.6%1.5%
Carroll CountyGeorgia$6.7B131,0361.3%1.1%
Bartow CountyGeorgia$6.7B120,8001.3%0.8%
Fayette CountyGeorgia$6.2B125,1561.2%1.4%
Douglas CountyGeorgia$6.1B154,2931.2%0.8%
Coweta CountyGeorgia$5.9B160,2401.1%0.9%
Jackson CountyGeorgia$4.8B99,2650.9%0.7%
Rockdale CountyGeorgia$4.5B98,4160.9%0.6%
Floyd CountyGeorgia$4.4B101,3780.8%0.9%
Troup CountyGeorgia$4.2B72,8440.8%0.6%
Paulding CountyGeorgia$3.9B190,9960.7%0.7%
Newton CountyGeorgia$3.5B125,5830.7%0.4%
Walton CountyGeorgia$3.3B112,6960.6%0.8%
Barrow CountyGeorgia$2.9B99,7730.5%0.6%
Gordon CountyGeorgia$2.6B61,7010.5%0.4%
Spalding CountyGeorgia$2.4B70,7750.4%0.4%
Oconee CountyGeorgia$2.0B44,8930.4%0.7%
Habersham CountyGeorgia$1.6B50,4160.3%0.5%
Polk CountyGeorgia$1.4B45,5140.3%0.2%
Pickens CountyGeorgia$1.2B37,1670.2%0.4%
Heard CountyGeorgia$1.2B12,1490.2%0.0%
Dawson CountyGeorgia$1.2B35,3650.2%0.4%
Haralson CountyGeorgia$1.2B33,0660.2%0.3%
Morgan CountyGeorgia$1.1B22,0950.2%0.2%
Lumpkin CountyGeorgia$1.0B36,1780.2%0.3%
Chambers CountyAlabama$990M34,2530.2%0.2%
Butts CountyGeorgia$781M27,2180.1%0.2%
Upson CountyGeorgia$740M28,5000.1%0.2%
Madison CountyGeorgia$693M32,9190.1%0.1%
Meriwether CountyGeorgia$682M21,5160.1%0.1%
Oglethorpe CountyGeorgia$400M16,4150.1%0.1%
Pike CountyGeorgia$387M20,9320.1%0.1%
Jasper CountyGeorgia$326M17,6320.1%0.1%

Recruiting in the Atlanta--Athens-Clarke County--Sandy Springs market

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Other markets in Alabama and Georgia

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.