Valdosta, GA

Valdosta, GA holds $3.6 billion in deposits across 15 insured institutions and 37 branches, ranking #254 of 293 U.S. markets by economic output. Synovus Bank is the largest deposit holder at 15.5% share. The top three institutions hold 38.8% of deposits, which places the market in the fragmented band. Deposits have grown 28% since 2020 while the branch count fell by 4.

Deposit trend

Branches: 41 in 2020 to 37 in 2025. Institutions: 17 to 15. Top-three share: 41.1% to 38.8%. Deposits per branch: $97M.

Leading institutions by deposits

Institution	Deposits	Share	Branches	5‑yr
Synovus Bank	0.6B	15.5%	3	-7%
Ameris Bank	0.4B	12.1%	2	+88%
Guardian Bank	0.4B	11.3%	3	+33%
Bank of America	0.3B	9.4%	2	+32%
Farmers and Merchants Bank	0.3B	8.5%	3	+19%
Renasant Bank	0.3B	7.8%	3	+237%
Bank OZK	0.2B	6.7%	4	+37%
Commercial Banking Company	0.2B	5.5%	3	+34%
First Federal Savings and Loan Association of Valdosta	0.2B	5.4%	4	+43%
Citizens Community Bank	0.2B	5.2%	4	+32%

The 10 largest of 15 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.

Counties in this market

County	State	GDP	Population	Share of GDP	Share of deposits
Lowndes County	Georgia	$5,436M	122,867	89.3%	86.9%
Brooks County	Georgia	$468M	16,101	7.7%	9.3%
Lanier County	Georgia	$144M	10,623	2.4%	3.8%
Echols County	Georgia	$40M	3,685	0.7%	0.5%