The following banking markets have been defined by the Research Department of the Federal Reserve Bank of Atlanta. Since these markets may be revised as new information becomes available or as additional analysis of these markets is performed, it is advisable to check with the Research Department before using these definitions.
Revised August 10, 2016
| Banking Market | Description |
| Albany Area | Dougherty, Lee, and Worth Counties |
| Americus Area | Schley, Sumter, and Webster Counties |
| Appling County | Appling County |
| Athens Area | Barrow, Clarke, Jackson, Madison, Oconee, and Oglethorpe Counties less the cities of Auburn and Winder in Barrow County |
| Atkinson County | See Douglas Area Banking Market |
| Atlanta Area | Bartow, Cherokee, Clayton, Cobb, Coweta, Dawson, DeKalb, Douglas, Fayette, Forsyth, Fulton, Gwinnett, Hall, Henry, Newton, Paulding, Rockdale, and Walton Counties plus the towns of Auburn and Winder in Barrow County and Luthersville in Meriwether County less the town of Clermont in Hall County |
| Augusta Area | Burke, Columbia, McDuffie, Richmond, and Warren Counties in Georgia plus Aiken and Edgefield Counties in South Carolina |
| Bacon County | Bacon County |
| Bainbridge Area | Decatur and Seminole Counties |
| Baker County | Baker County |
| Baldwin County | See Milledgeville Area |
| Banks County | Banks County |
| Barrow County | See Atlanta Area and Athens Area Banking Markets |
| Bartow County | See Atlanta Area Banking Market |
| Ben Hill County | See Fitzgerald Area Banking Market |
| Berrien County | Berrien County |
| Bibb County | See Macon Area Banking Market |
| Bleckley County | Bleckley County |
| Blue Ridge Area | Fannin County plus the towns of Ducktown and Copperhill in Polk County, Tennessee |
| Brantley County | See Brunswick Area Banking Market |
| Brooks County | Brooks County |
| Brunswick Area | Brantley, Glynn and McIntosh Counties |
| Bryan County | See Savannah Area Banking Market |
| Bulloch County | Bulloch County |
| Burke County | See Augusta Area Banking Market |
| Butts County | Butts County |
| Calhoun Area | Calhoun County plus the town of Arlington in Early County |
| Calhoun County | See Calhoun Area Banking Market |
| Camden County | Camden County |
| Candler County | Candler County |
| Carroll County | See Carrollton Area Banking Market |
| Carrollton Area | Carroll and Haralson Counties, Georgia, plus the town of Ranburne in Cleburne County, Alabama |
| Catoosa County | See Chattanooga, Tennessee Area Banking Market |
| Charlton County | See Jacksonville Area, Florida Banking Market |
| Chatham County | See Savannah Area Banking Market |
| Chattahoochee County | See Columbus Area Banking Market |
| Chattooga County | Chattooga County |
| Cherokee County | See Atlanta Area Banking Market |
| Clarke County | See Athens Area Banking Market |
| Clay County | Clay County |
| Clayton County | See Atlanta Area Banking Market |
| Cleveland Area | White County plus the town of Clermont in Hall County |
| Clinch County | Clinch County |
| Cobb County | See Atlanta Area Banking Market |
| Coffee County | See Douglas Area Banking Market |
| Colquitt County | Colquitt County |
| Columbia County | See Augusta Area Banking Market |
| Columbus Area | Chattahoochee, Harris and Muscogee Counties in Georgia plus the towns of Junction City, Geneva and Box Springs in Talbot County; Russell County, Alabama plus the portion of Lee County, Alabama that is within 12 road miles of Phenix City, Alabama or Columbus, Georgia |
| Cook County | Cook County |
| Coweta County | See Atlanta Area Banking Market |
| Crawford County | See Macon Area Banking Market |
| Crisp County | Crisp County |
| Dade County | See Chattanooga, Tennessee Area Banking Market |
| Dalton Area | Murray and Whitfield Counties |
| Dawson County | See Atlanta Area Banking Market |
| Decatur County | See Bainbridge Area Banking Market |
| DeKalb County | See Atlanta Area Banking Market |
| Dodge County | Dodge County |
| Dooly County | Dooly County |
| Dougherty County | See Albany Area Banking Market |
| Douglas Area | Atkinson and Coffee Counties |
| Douglas County | See Atlanta Area Banking Market |
| Early Area | Early County less the town of Arlington |
| Early County | See Calhoun Area and Early Area Banking Markets |
| Echols County | See Valdosta Area Banking Market |
| Effingham County | See Savannah Area Banking Market |
| Elbert County | Elbert County |
| Emanuel County | Emanuel County |
| Evans County | Evans County |
| Fannin County | See Blue Ridge Area Banking Market |
| Fayette County | See Atlanta Area Banking Market |
| Fitzgerald Area | Ben Hill and Irwin Counties |
| Floyd County | See Rome Area Banking Market |
| Forsyth County | See Atlanta Area Banking Market |
| Fort Stewart Area | Liberty and Long Counties |
| Franklin County | Franklin County |
| Fulton County | See Atlanta Area Banking Market |
| Gilmer County | Gilmer County |
| Glascock County | See Wrens Area Banking Market |
| Glynn County | See Brunswick Area Banking Market |
| Gordon County | Gordon County |
| Grady County | Grady County |
| Greene County | See Greensboro Area Banking Market |
| Greensboro Area | Greene and Taliaferro Counties |
| Griffin Area | Lamar, Pike, and Spalding Counties |
| Gwinnett County | See Atlanta Area Banking Market |
| Habersham County | Habersham County |
| Hall County | See Atlanta Area and Cleveland Area Banking Markets |
| Hancock County | See Milledgeville Area |
| Haralson County | See Carrollton Area Banking Market |
| Harris County | See Columbus Area Banking Market |
| Hart County | Hart County |
| Heard County | Heard County |
| Henry County | See Atlanta Area Banking Market |
| Houston County | See Macon Area Banking Market |
| Irwin County | See Fitzgerald Area Banking Market |
| Jackson County | See Athens Area Banking Market |
| Jasper County | Jasper County |
| Jeff Davis County | Jeff Davis County |
| Jefferson County | See Wrens Area Banking Market |
| Jenkins County | Jenkins County |
| Johnson County | Johnson County |
| Jones County | See Macon Area Banking Market |
| LaGrange, GA-AL Area | Troup County, Georgia and Chambers County, Alabama |
| Lamar County | See Griffin Area Banking Market |
| Lanier County | See Valdosta Area Banking Market |
| Laurens County | Laurens County |
| Lee County | See Albany Area Banking Market |
| Liberty County | See Fort Stewart Area Banking Market |
| Lincoln County | Undefined |
| Long County | See Fort Stewart Area Banking Market |
| Lowndes County | See Valdosta Area Banking Market |
| Lumpkin County | Lumpkin County |
| McDuffie County | See Augusta Area Banking Market |
| McIntosh County | See Brunswick Area Banking Market |
| Macon Area | Bibb, Crawford, Houston, Jones, Macon, Twiggs and Peach Counties plus Allentown and Nicklesville in Wilkinson County |
| Macon County | See Macon Area Banking Market |
| Madison County | See Athens Area Banking Market |
| Manchester Area | Meriwether and Talbot Counties, less the towns of Luthersville in Meriwether County and Junction City, Geneva and Box Springs in Talbot County |
| Marion County | Marion County |
| Meriwether County | See Atlanta Area and Manchester Area Banking Markets |
| Milledgeville, GA Area | Baldwin and Hancock Counties, plus the northern half of Wilkinson County (the towns of Gordon, Irwinton, Ivey, and McIntyre) |
| Miller County | Miller County |
| Mitchell County | Mitchell County |
| Monroe County | Monroe County |
| Montgomery County | See Vidalia Area Banking Market |
| Morgan County | Morgan County |
| Murray County | See Dalton Area Banking Market |
| Muscogee County | See Columbus Area Banking Market |
| Newton County | See Atlanta Area Banking Market |
| Oconee County | See Athens Area Banking Market |
| Oglethorpe County | See Athens Area Banking Market |
| Paulding County | See Atlanta Area Banking Market |
| Peach County | See Macon Area Banking Market |
| Pickens County | Pickens County |
| Pierce County | See Waycross Area Banking Market |
| Pike County | See Griffin Area Banking Market |
| Polk County | See Rome Area Banking Market |
| Pulaski County | Pulaski County |
| Putnam County | Putnam County |
| Quitman County | Undefined |
| Rabun County | Rabun County |
| Randolph County | Randolph County |
| Richmond County | See Augusta Area Banking Market |
| Rockdale County | See Atlanta Area Banking Market |
| Rome Area | Floyd and Polk Counties |
| Savannah Area | Bryan, Chatham, and Effingham Counties |
| Schley County | See Americus Area Banking Market |
| Screven County | Screven County |
| Seminole County | See Bainbridge Area Banking Market |
| Spalding County | See Griffin Area Banking Market |
| Stephens County | Stephens County |
| Stewart County | Stewart County |
| Sumter County | See Americus Area Banking Market |
| Talbot County | See Columbus Area and Manchester Area Banking Markets |
| Taliaferro County | See Greensboro Area Banking Market |
| Tattnall County | Tattnall County |
| Taylor County | Taylor County |
| Telfair County | Telfair County |
| Terrell County | Terrell County |
| Thomas County | Thomas County |
| Tift County | Tift County |
| Toombs County | See Vidalia Area Banking Market |
| Towns County | Towns County |
| Treutlen County | Undefined |
| Troup County | See LaGrange, GA-AL Area Banking Market |
| Turner County | Turner County |
| Twiggs County | See Macon Area Banking Market |
| Union County | Union County |
| Upson County | Upson County |
| Valdosta Area | Echols, Lanier, and Lowndes Counties |
| Vidalia Area | Montgomery and Toombs Counties |
| Walker County | See Chattanooga, Tennessee Area Banking Market |
| Walton County | See Atlanta Area Banking Market |
| Ware County | See Waycross Area Banking Market |
| Warren County | See Augusta Area Banking Market |
| Waycross Area | Pierce and Ware Counties |
| Washington County | Washington County |
| Wayne County | Wayne County |
| Webster County | See Americus Area Banking Market |
| Wheeler County | Wheeler County |
| White County | See Cleveland Area Banking Market |
| Whitfield County | See Dalton Area Banking Market |
| Wilcox County | Wilcox County |
| Wilkes County | Wilkes County |
| Wilkinson County | See Macon and Milledgeville Areas |
| Worth County | See Albany Area Banking Market |
| Wrens Area | Jefferson and Glascock Counties |