US Bank Directory
Banks in Saint Simons Island, GA
11 FDIC-insured banks operate 12 offices in Saint Simons Island, Georgia, and 2 credit unions have 2 offices.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Saint Simons Island
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 13 banks and credit unions operate 14 locations in Saint Simons Island, according to the FDIC and the NCUA. 13 of them have coordinates on record and are on the map. 6 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
13 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Saint Simons Island
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Pinnacle Bank has the most locations in Saint Simons Island, with 2. The other 10 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
Pinnacle Bank Bank · 2
Pinnacle Bank has 2 branches in Saint Simons Island, 107 across Georgia and 429 nationwide. FDIC records list its main office in Nashville, TN and show it operating since 2000. With $128.79 billion in total assets on June 30, 2026, it ranks No. 28 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Saint Simons Island location is the 1625 Frederica Road Branch at 1625 Frederica Rd, dating to 1928; the newest, at 401 Sea Island Rd, to 2009. It does not publish hours in the sources this page uses; check its site before you go.
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1625 Frederica Road Branch1625 Frederica Rd, 31522
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Sea Marsh Branch401 Sea Island Rd, 31522
Ameris Bank Bank · 1
Ameris Bank has 1 branch in Saint Simons Island, 105 across Georgia and 177 nationwide. FDIC records list its main office in Atlanta, GA and show it operating since 1971. With $28.42 billion in total assets on June 30, 2026, it ranks No. 76 of 4,232 U.S. banks by total assets. The Saint Simons Island Branch at 3811 Frederica Rd dates to 1995 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Saint Simons Island Branch3811 Frederica Rd, 31522
Bank of America Bank · 1
Bank of America has 1 branch in Saint Simons Island, 130 across Georgia and 3,598 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1904. With $2.65 trillion in total assets on June 30, 2026, it ranks No. 2 of 4,232 U.S. banks by total assets. The Sea Island Branch at 600 Sea Island Rd dates to 1999 in FDIC branch records. Its published hours do not list Saturday.
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Sea Island Branch600 Sea Island Rd, 31522
All hours
Mon closed; Tue to Fri 9 am to 4 pm; Sat to Sun closed
Hours: Bank of America branch locator (All The Places), checked Oct 10, 2026
Bank OZK Bank · 1
Bank OZK has 1 branch in Saint Simons Island, 72 across Georgia and 272 nationwide. FDIC records list its main office in Little Rock, AR and show it operating since 1903. With $41.70 billion in total assets on June 30, 2026, it ranks No. 57 of 4,232 U.S. banks by total assets. The St. Simons Branch at 1809 Frederica Rd dates to 2003 in FDIC branch records. Its published hours do not list Saturday.
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St. Simons Branch1809 Frederica Rd, 31522
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Bank OZK branch locator (All The Places), checked Oct 10, 2026
First Horizon Bank · 1
First Horizon has 1 branch in Saint Simons Island, 13 across Georgia and 416 nationwide. FDIC records list its main office in Memphis, TN and show it operating since 1864. With $84.12 billion in total assets on June 30, 2026, it ranks No. 38 of 4,232 U.S. banks by total assets. The St. Simons Island Branch at 3509 Frederica Road, Suite 1 dates to 2023 in FDIC branch records. Its published hours do not list Saturday.
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St. Simons Island Branch3509 Frederica Road, Suite 1, 31522
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 5 pm; Sat to Sun not published
Hours: First Horizon branch locator (All The Places), checked Oct 10, 2026
Five Star Credit Union Credit union · 1
Five Star Credit Union has 1 office in Saint Simons Island, 16 across Georgia. It is based in Dothan, AL and $1.25 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Five Star Credit Union - Ssi95 Cinema Ln, 31522
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: NCUA, March 31, 2026
Marshland Credit Union Credit union · 1
Marshland Credit Union has 1 office in Saint Simons Island, 7 across Georgia. It is based in Brunswick, GA and $274.4 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Retreat Village234 Retreat Vlg, 31522
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
PrimeSouth Bank Bank · 1
PrimeSouth Bank has 1 branch in Saint Simons Island, 7 across Georgia and 8 nationwide. FDIC records list its main office in Blackshear, GA and show it operating since 1891. With $1.60 billion in total assets on June 30, 2026, it ranks No. 703 of 4,232 U.S. banks by total assets. The St Simons Branch at 1795 Frederica Rd dates to 1999 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St Simons Branch1795 Frederica Rd, 31522
South Coast Bank & Trust Bank · 1
South Coast Bank & Trust has 1 branch in Saint Simons Island, 2 across Georgia and 2 nationwide. FDIC records list its main office in Brunswick, GA and show it operating since 1934. With $269.8 million in total assets on June 30, 2026, it ranks No. 2,622 of 4,232 U.S. banks by total assets. The Midway Branch at 60 Midway Sq dates to 2011 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Midway Branch60 Midway Sq, 31522
Southeastern Bank Bank · 1
Southeastern Bank has 1 branch in Saint Simons Island, 9 across Georgia and 11 nationwide. FDIC records list its main office in Darien, GA and show it operating since 1889. With $624.9 million in total assets on June 30, 2026, it ranks No. 1,518 of 4,232 U.S. banks by total assets. The St. Simons Island Branch at 21 Market St dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St. Simons Island Branch21 Market St, 31522
Thomasville National Bank Bank · 1
Thomasville National Bank has 1 branch in Saint Simons Island, 3 across Georgia and 4 nationwide. FDIC records list its main office in Thomasville, GA and show it operating since 1995. With $2.18 billion in total assets on June 30, 2026, it ranks No. 569 of 4,232 U.S. banks by total assets. The St. Simons Bank & Trust Branch at 100 Island Professional Park dates to 2010 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St. Simons Bank & Trust Branch100 Island Professional Park, 31522
Truist Bank · 1
Truist has 1 branch in Saint Simons Island, 203 across Georgia and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Sea Island Road Branch at 501 Sea Island Rd dates to 1991 in FDIC branch records. Its published hours do not list Saturday.
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Sea Island Road Branch501 Sea Island Rd, 31522
All hours
Mon to Thu 9 am to 4 pm; Fri 9 am to 6 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Community Bank · 1
United Community has 1 branch in Saint Simons Island, 64 across Georgia and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The St. Simons Office Branch at 2461 Demere Rd dates to 1985 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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St. Simons Office Branch2461 Demere Rd, 31522
Join a credit union in Saint Simons Island
2 credit unions have 2 offices here: Five Star Credit Union and Marshland Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Saint Simons Island page has every office in the state's directory.
Banking in Saint Simons Island: the local picture
Short answer: 11 banks run 12 branches in Saint Simons Island according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 11 banks, 0 have their main office in Saint Simons Island, 5 elsewhere in Georgia and 6 out of state, according to the FDIC.
The bank with the longest record here is First Horizon, operating since 1864 according to the FDIC. In FDIC branch records, the longest-running branch is Pinnacle Bank's office at 1625 Frederica Rd, dating to 1928; the newest is First Horizon's at 3509 Frederica Road, Suite 1, from 2023.
2 credit unions have 2 offices in Saint Simons Island, according to the NCUA. Who can join each one is on the credit unions page.
Of the 6 locations with published hours. None open on Saturday. 8 locations have no published hours in these sources.
Saturday hours in Saint Simons Island
Short answer: None of the 6 Saint Simons Island locations with published hours lists Saturday hours. 8 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 8 of the 14 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Saint Simons Island, and where the nearest one is if they do not.
Short answer: In Saint Simons Island: Bank of America (1), Truist (1). No branches in Saint Simons Island: Chase (nearest in Savannah, 56 mi), Wells Fargo (nearest in Brunswick, 6 mi), PNC Bank (nearest in Montezuma, 174 mi), U.S. Bank (nearest in Sandy Springs, 256 mi), Fifth Third Bank (nearest in Pooler, 67 mi), Huntington (nearest in Brunswick, 6 mi), Regions Bank (nearest in Savannah, 65 mi), TD Bank, BMO.
| Bank | In Saint Simons Island | Nearest branch if none here |
|---|---|---|
| Bank of America | 1 branch | here |
| Truist | 1 branch | here |
| Chase | None | Savannah, 56 miles away |
| Wells Fargo | None | Brunswick, 6 miles away |
| PNC Bank | None | Montezuma, 174 miles away |
| U.S. Bank | None | Sandy Springs, 256 miles away |
| Fifth Third Bank | None | Pooler, 67 miles away |
| Huntington | None | Brunswick, 6 miles away |
| Regions Bank | None | Savannah, 65 miles away |
| TD Bank | None | none in Georgia |
| BMO | None | none in Georgia |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Saint Simons Island to the nearest branch in Georgia.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Saint Simons Island residents like anyone else.
Banks near Saint Simons Island
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Brunswick (7 miles) and Darien (14 miles). Brunswick, 7 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Brunswick, GA | 7 mi | 12 | 15 |
| Banks in Darien, GA | 14 mi | 2 | 2 |
| Banks in Saint Marys, GA | 31 mi | 4 | 5 |
| Banks in Kingsland, GA | 31 mi | 2 | 2 |
| Banks in Nahunta, GA | 35 mi | 2 | 2 |
| Banks in Jesup, GA | 42 mi | 5 | 5 |
| Banks in Ludowici, GA | 43 mi | 2 | 2 |
| Banks in Folkston, GA | 46 mi | 2 | 2 |
Bank branch openings and closings in Saint Simons Island
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Saint Simons Island between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Saint Simons Island by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Saint Simons Island offices.
Short answer: Bank of America is the largest bank with offices in Saint Simons Island, with $2.65 trillion in total assets on June 30, 2026, No. 2 among U.S. banks by total assets. Truist is second with $548.35 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Bank of America | $2.65 trillion | No. 2 | 1 | Charlotte, NC |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Pinnacle Bank | $128.79 billion | No. 28 | 2 | Nashville, TN |
| First Horizon | $84.12 billion | No. 38 | 1 | Memphis, TN |
| Bank OZK | $41.70 billion | No. 57 | 1 | Little Rock, AR |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Ameris Bank | $28.42 billion | No. 76 | 1 | Atlanta, GA |
| Thomasville National Bank | $2.18 billion | No. 569 | 1 | Thomasville, GA |
| PrimeSouth Bank | $1.60 billion | No. 703 | 1 | Blackshear, GA |
| Southeastern Bank | $624.9 million | No. 1,518 | 1 | Darien, GA |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Saint Simons Island: FAQ
How many banks are in Saint Simons Island, GA?
Saint Simons Island has 11 banks with 12 branches and 2 credit unions with 2 offices, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Saint Simons Island?
Pinnacle Bank, with 2. Bank of America has 1 and Truist has 1.
Is there a Pinnacle Bank in Saint Simons Island, GA?
Yes. FDIC data lists 2 Pinnacle Bank branches in Saint Simons Island as of September 5, 2026. Its branches are listed under Pinnacle Bank above, with the address and directions for each.
Is there a Bank of America in Saint Simons Island, GA?
Yes. FDIC data lists 1 Bank of America branch in Saint Simons Island as of September 5, 2026. The address and directions are under Bank of America above.
Is there a Truist in Saint Simons Island, GA?
Yes. FDIC data lists 1 Truist branch in Saint Simons Island as of September 5, 2026. The address and directions are under Truist above.
Is there a Chase in Saint Simons Island, GA?
No. FDIC data lists no Chase branch in Saint Simons Island as of September 5, 2026. The nearest is in Savannah, about 56 miles away in a straight line.
Which banks in Saint Simons Island are open on Saturday?
None of the 6 locations with published hours lists Saturday hours. 8 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Saint Simons Island?
First Horizon has the longest record among banks with a branch here: the FDIC shows it operating since 1864.
Which credit unions can I join in Saint Simons Island?
Five Star Credit Union and Marshland Credit Union have offices in Saint Simons Island. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Saint Simons Island in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Saint Simons Island?
Nearby cities with more banks include Brunswick, Darien, Saint Marys. Brunswick is 7 miles away with 12 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (4 of 12 branches: Bank OZK, Bank of America, First Horizon, Truist) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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