Bank Branches › Georgia › Stephens County
Banks in Stephens County, Georgia
Stephens County has 5 bank offices, 7 fewer than its peak of 12 in 2006 (−58%). They belong to 5 banks, led by First-Citizens Bank & Trust Company with 1.
5
offices, 2026
12
peak (2006)
8
no longer reported
$439M
deposits booked
Map
open (5)no longer reported (7 of 8 have map coordinates)
The county's passbook
Bank offices reporting on June 30Deposits booked at them (nominal dollars, own scale)
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994 | 6 | $203M | |
| Jun 30 1995 | 6 | · | $222M |
| Jun 30 2000 | 8 | +1 | $281M |
| Jun 30 2005 | 11 | · | $298M |
| Jun 30 2006PEAK | 12 | +1 | $322M |
| Jun 30 2010 | 9 | −3 | $332M |
| Jun 30 2015 | 7 | · | $284M |
| Jun 30 2020 | 7 | · | $351M |
| Jun 30 2025 | 5 | −1 | $428M |
| Jun 30 2026NOW | 5 | · | $439M |
Open the full passbook — all 33 years ▾
| Date | offices | Change | Deposits |
|---|---|---|---|
| Jun 30 1994 | 6 | $203M | |
| Jun 30 1995 | 6 | · | $222M |
| Jun 30 1996 | 6 | · | $235M |
| Jun 30 1997 | 6 | · | $247M |
| Jun 30 1998 | 6 | · | $264M |
| Jun 30 1999 | 7 | +1 | $267M |
| Jun 30 2000 | 8 | +1 | $281M |
| Jun 30 2001 | 10 | +2 | $303M |
| Jun 30 2002 | 10 | · | $301M |
| Jun 30 2003 | 11 | +1 | $304M |
| Jun 30 2004 | 11 | · | $300M |
| Jun 30 2005 | 11 | · | $298M |
| Jun 30 2006PEAK | 12 | +1 | $322M |
| Jun 30 2007 | 12 | · | $340M |
| Jun 30 2008 | 12 | · | $326M |
| Jun 30 2009 | 12 | · | $345M |
| Jun 30 2010 | 9 | −3 | $332M |
| Jun 30 2011 | 7 | −2 | $333M |
| Jun 30 2012 | 7 | · | $330M |
| Jun 30 2013 | 7 | · | $279M |
| Jun 30 2014 | 7 | · | $275M |
| Jun 30 2015 | 7 | · | $284M |
| Jun 30 2016 | 7 | · | $291M |
| Jun 30 2017 | 7 | · | $310M |
| Jun 30 2018 | 7 | · | $310M |
| Jun 30 2019 | 7 | · | $309M |
| Jun 30 2020 | 7 | · | $351M |
| Jun 30 2021 | 7 | · | $380M |
| Jun 30 2022 | 6 | −1 | $417M |
| Jun 30 2023 | 6 | · | $411M |
| Jun 30 2024 | 6 | · | $424M |
| Jun 30 2025 | 5 | −1 | $428M |
| Jun 30 2026NOW | 5 | · | $439M |
Banks in Stephens County
| Bank | Offices | Deposits here |
|---|---|---|
| First-Citizens Bank & Trust Company | 1 | $153M |
| Regions Bank | 1 | $72.6M |
| Oconee Federal Savings and Loan Association | 1 | $77.6M |
| SouthState Bank, National Association | 1 | $98.7M |
| Northeast Georgia Bank | 1 | $37.0M |
Every bank office open in Stephens County
| Bank | Address | Deposits |
|---|---|---|
| First-Citizens Bank & Trust CompanyToccoa Branch | 122 N Alexander StToccoa 30577 | $153M |
| SouthState Bank, National AssociationToccoa Branch | 1111 Big A Rd SToccoa 30577 · Full-service retail office | $98.7M |
| Oconee Federal Savings and Loan AssociationToccoa Br | 2859 Highway 17 AltToccoa 30577 | $77.6M |
| Regions BankToccoa Main Branch | 168 North Hill StreetToccoa 30577 | $72.6M |
| Northeast Georgia BankToccoa Office Branch | 56 Stephen CirToccoa 30577 | $37.0M |
Sorted by deposits booked on June 30, 2026. "Opened" is the establishment date in the FDIC record.
Offices no longer reported
Offices in Stephens County that filed a report in some year from 1994 on and are missing from 2026. Most closed; some were sold to non-banks or converted. Newest departures first.
| Last bank on the sign | Address | Last report |
|---|---|---|
| Oconee Federal Savings and Loan Association | 12 E Doyle StToccoa 30577 | 2024 |
| First-Citizens Bank & Trust Company | 555 Big A RoadToccoa 30577 | 2021 |
| Habersham Bank | 27 N. Big A RoadToccoa 30577 | 2010 |
| SCBT National Association | 757 Big A Road, U.S. Highway 17Toccoa 30577 · Full-service retail office | 2010 |
| Habersham Bank | 370 Wal-Mart WayEastanollee 30538 | 2009 |
| Community Bank & Trust | 3886 Ga Hwy 17 Suite 101Eastanollee 30538 · Full-service retail office | 2009 |
| Regions Bank | 745 Big A RoadToccoa 30577 | 2009 |
| Stephens Federal Bank | 202 E. Doyle St.Toccoa 30577 | 2002 |
County FIPS 13257 · 179 square miles of land (2024 Census Gazetteer).