Market Intelligence

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

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Atlanta--Athens-Clarke County--Sandy Springs, GA-AL

Atlanta--Athens-Clarke County--Sandy Springs, GA-AL, a Combined Statistical Area, holds $267.2 billion in deposits across 95 insured institutions and 1,221 branches, ranking #10 of 293 U.S. markets by economic output. Truist Bank is the largest deposit holder at 23.0% share. The top three institutions hold 56.4% of deposits, which places the market in the moderate band. Deposits have grown 26.1% since 2020 while the branch count fell by 11.5%.

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
Total Deposits
$267.2B
#14 of 293
Deposits per Capita
$35,978
#65 of 293
Deposits per Branch
$219M
#30 of 293
Competitive structure
Insured Institutions
95
#12 of 293
Branches per 100k Pop.
16.4
#251 of 293
Median Deposits per Institution
$323M
The median deposits booked by a single institution in the market. #72 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
22.1%
of market deposits held by banks with $100M to $50B in assets. #264 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 Deposit Share: moderate
56.4%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +26.1% over 5 years
$211.9B
2020
$256.2B
2021
$266.0B
2022
$258.1B
2023
$257.3B
2024
$267.2B
2025

Branches: 1,380 in 2020 to 1,221 in 2025. Institutions: 97 to 95. Top-three share: 61.1% to 56.4%. Deposits per branch: $219M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Truist Bank$61.4B23.0%146+40%
Bank of America$49.6B18.6%107+11%
Wells Fargo Bank$39.6B14.8%138-3%
Synovus Bank$16.7B6.2%51+85%
JPMorgan Chase Bank$13.1B4.9%109+60%
Ameris Bank$8.9B3.3%61+38%
Regions Bank$7.7B2.9%86+27%
United Community Bank$7.6B2.8%43+45%
Bank OZK$6.7B2.5%49+95%
RBC Bank, (Georgia)$6.0B2.2%1+42%
SouthState Bank$5.7B2.1%26+89%
PNC Bank$4.4B1.6%59+11%
Renasant Bank$3.3B1.2%37+16%
Fifth Third Bank$2.4B0.9%30+5%
Metro City Bank$2.2B0.8%9+115%
Georgia Banking Company$2.1B0.8%9+262%
First-Citizens Bank & Trust Company$1.7B0.6%17+4%
United Bank$1.6B0.6%14no 2020 presence
United Bank$1.4B0.5%14+16%
Cadence Bank$1.3B0.5%8-55%
East West Bank$1.3B0.5%3+10%
First Horizon Bank$1.2B0.5%10-11%
Pinnacle Bank$1.1B0.4%15+73%
Pinnacle Bank$1.1B0.4%6+3,554%
ServisFirst Bank$1.1B0.4%2+72%
Southern States Bank$989M0.4%5+602%
First IC Bank$840M0.3%6+45%
Affinity Bank$757M0.3%3+20%
Coastal States Bank$724M0.3%5+256%
Colony Bank$695M0.3%7+283%
First American Bank and Trust Company$662M0.2%6+29%
Peach State Bank & Trust$652M0.2%2+100%
Citizens Trust Bank$583M0.2%5+71%
PromiseOne Bank$562M0.2%6+25%
Oconee State Bank$552M0.2%4+38%
First Century Bank$549M0.2%1+100%
The Citizens Bank of Georgia$533M0.2%4+51%
Community Bank of Pickens County$508M0.2%2+43%
Peoples Bank & Trust$505M0.2%1+51%
Shinhan Bank America$500M0.2%2+101%
Southern First Bank$470M0.2%1+196%
City National Bank$406M0.2%2+99%
Bank of Madison$391M0.1%4+68%
The Commercial Bank$391M0.1%5+55%
Touchmark National Bank$368M0.1%1-1%
American Commerce Bank$361M0.1%3+30%
First National Community Bank$361M0.1%7+230%
First National Bank of Griffin$323M0.1%6+12%
BankSouth$312M0.1%2+94%
HomeTrust Bank$288M0.1%2no 2020 presence
River City Bank$277M0.1%1+79%
The Northern Trust Company$271M0.1%1+47%
Community Bank and Trust - West Georgia$246M0.1%3+233%
Craft Bank$227M0.1%1no 2020 presence
Classic City Bank$221M0.1%1no 2020 presence
North Georgia National Bank$219M0.1%2+74%
Farmers and Merchants Bank$218M0.1%2+54%
Tandem Bank$209M0.1%1+272%
Signature Bank of Georgia$206M0.1%2+31%
TIB$198M0.1%1-17%
Bank of Hope$179M0.1%1no 2020 presence
Embassy National Bank$164M0.1%1+83%
Loyal Trust Bank$159M0.1%1+408%
Capital City Bank$159M0.1%8+39%
Hyperion Bank$156M0.1%1+590%
Legacy State Bank$156M0.1%2+35%
Woori America Bank$141M0.1%1no 2020 presence
Bank of Monticello$133M0.0%1+18%
West Central Georgia Bank$122M0.0%2+28%
American Pride Bank$120M0.0%2+626%
Wallis Bank$118M0.0%2+296%
Northeast Georgia Bank$112M0.0%2+55%
First Carolina Bank$108M0.0%1no 2020 presence
Rabun County Bank$88M0.0%2+281%
New Millennium Bank$79M0.0%1no 2020 presence
F & M Bank and Trust Company$76M0.0%1+2%
First Bank of Pike$75M0.0%4+41%
Builtwell Bank$70M0.0%1no 2020 presence
Farmers and Merchants Bank$66M0.0%1+12%
AuburnBank$55M0.0%1+15%
The Peoples Bank of Georgia$52M0.0%1no 2020 presence
First Peoples Bank$47M0.0%1+15%
Hanmi Bank$36M0.0%1no 2020 presence
Talbot State Bank$33M0.0%1-16%
Central Bank$25M0.0%1no 2020 presence
Woodforest National Bank$24M0.0%11-16%
Beal Bank USA$16M0.0%1+49%
Paragon Bank$14M0.0%1no 2020 presence
Fieldpoint Private Bank & Trust$6M0.0%1no 2020 presence
PCB Bank$6M0.0%1no 2020 presence
FSNB$3M0.0%4-31%
CIBC National Trust Company$1M0.0%1+16%
Magnolia State Bank$0M0.0%1no 2020 presence
Wilmington Trust$0M0.0%1no 2020 presence
BNY Mellon$0M0.0%1no 2020 presence

The 95 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 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%48.6%
Cobb CountyGeorgia$64.9B793,34512.3%10.7%
Gwinnett CountyGeorgia$56.4B1,018,09910.6%9.1%
DeKalb CountyGeorgia$47.2B774,3948.9%6.0%
Clayton CountyGeorgia$21.2B297,4714.0%0.8%
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%1.2%
Bartow CountyGeorgia$6.7B120,8001.3%0.8%
Fayette CountyGeorgia$6.2B125,1561.2%1.4%
Douglas CountyGeorgia$6.1B154,2931.2%0.9%
Coweta CountyGeorgia$5.9B160,2401.1%0.9%
Jackson CountyGeorgia$4.8B99,2650.9%0.7%
Rockdale CountyGeorgia$4.5B98,4160.9%0.7%
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%0.5%
Walton CountyGeorgia$3.3B112,6960.6%0.7%
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%0.6%
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%0.2%
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.