Valdosta, GA, a Metropolitan Statistical Area, holds $3.8 billion in deposits across 16 insured institutions and 37 branches, and ranks #254 of 293 U.S. markets by economic output. Pinnacle Bank is the largest deposit holder at 14.9% share. The top three banks hold 39% of deposits, which places the market in the Fragmented band. Deposits have grown 21.6% since 2021 while the branch count fell by 2.6%.
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
Branches: 38 in 2021 to 37 in 2026. Institutions: 16 to 16. Top-three share: 39% to 39%. Average deposits per branch: $102M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Pinnacle Bank | $563M | 14.9% | -1% |
| Ameris Bank | $473M | 12.5% | +59% |
| Guardian Bank | $420M | 11.1% | +25% |
| Farmers and Merchants Bank | $370M | 9.8% | +39% |
| Bank of America | $330M | 8.7% | +9% |
| Renasant Bank | $270M | 7.1% | +21% |
| Commercial Banking Company | $249M | 6.6% | +49% |
| Bank OZK | $240M | 6.3% | +13% |
| First Federal Savings and Loan Association of Valdosta | $209M | 5.5% | +39% |
| Citizens Community Bank | $200M | 5.3% | +22% |
| Regions Bank | $133M | 3.5% | +8% |
| The Citizens National Bank of Quitman | $119M | 3.2% | +12% |
| Colony Bank | $110M | 2.9% | +47% |
| Truist Bank | $66M | 1.7% | +56% |
| Barwick Banking Company | $23M | 0.6% | -68% |
| Community Bank of Georgia | $2M | 0.1% | no 2021 presence |
The 16 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Lowndes County | Georgia | $5.4B | 122,867 | 89.3% | 88.4% |
| Brooks County | Georgia | $468M | 16,101 | 7.7% | 7.9% |
| Lanier County | Georgia | $144M | 10,623 | 2.4% | 3.7% |
| Echols County | Georgia | $40M | 3,685 | 0.7% | 0.0% |
Recruiting in the Valdosta market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.
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