Pineland Bank

What Pineland Bank does

Pineland Bank is a privately held, family-owned community bank headquartered in Alma, Georgia, that has operated continuously since its 1939 charter under the holding company South Banking Company. The bank serves individual consumers and small-to-mid-sized businesses across southeast Georgia and northeast Florida through nine physical branch locations (seven full-service, two drive-in), spanning Alma, Baxley, Douglas, Metter, Kingsland, and St. Marys in Georgia plus Fernandina Beach in Florida. Its core products include personal and business deposit accounts (checking, savings, money market, NOW, MSB accounts), consumer and mortgage loans, commercial and SBA lending as a Preferred SBA Lender, and credit/debit cards with instant-issue capability at select branches, supplemented by Pineland Investment Services for wealth and retirement planning.

The bank's technology infrastructure is a standard community-banking platform: an online banking portal (my.pineland.bank) and a mobile banking app (bank.pineland.grip on Google Play; Pineland Bank on the App Store) providing 24/7 account access, bill pay, mobile check deposit, Picture Pay, fund transfers, and a GPS-based branch/ATM locator. Security features include 128-bit SSL encryption, firewall protection, anti-virus software, and data segregation. Zelle is integrated for P2P payments. Business customers additionally access Remote Deposit Capture with on-site installation, merchant card services, and ACH origination through the internet banking platform. There is no public-facing API.

Pineland Bank's revenue is generated through interest income on its consumer, mortgage, and commercial loan portfolios, supplemented by deposit account maintenance and per-item fees (e.g., $5-$50 monthly on business accounts, $750/month MSB account fees), card interchange, merchant services, wire/ACH fees, and fee-based wealth management revenue through Pineland Investment Services. Distribution is sales-led and relationship-based: loan officers and branch staff provide direct service across the regional footprint, leveraging local decision-making authority and flexible underwriting for borrowers that do not fit conventional bank criteria. The bank markets primarily through community involvement and organic social media presence (Facebook, Instagram, X) rather than paid digital acquisition.

Name

Pineland Bank

Legal name

Pineland Bank

Website

https://pineland.bank

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

11–50 employees

Short description

Pineland Bank is a family-owned community bank, founded in 1939 in Alma, Georgia, serving individual consumers and small-to-mid-sized businesses across southeast Georgia and northeast Florida through nine branch locations, with traditional deposit, lending, SBA, card, and wealth management products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)

akta.pro secondary industry

SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Community banking services
• Consumer lending products
• Commercial loan services
• Retail deposit accounts
• Small business lending

Headquarters

HQ city

Alma

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income - Consumer Loans: Interest earned on consumer lending products including personal loans, vehicle loans, recreational vehicle loans, boat loans, jet ski loans, vacation loans, real estate loans, mobile home loans, debt consolidation loans, and unsecured loans.
2. Mortgage Lending: Conventional and non-conforming residential real estate loans for home purchases, construction financing, home improvement, refinancing, VA, FHA, USDA, and Home Ready products, home equity loans, and vacation home purchases.
3. Commercial Lending: Commercial real estate loans, investment property financing, lines of credit, working capital loans, agriculture loans, and equipment financing. Also SBA lending as a preferred SBA lender.
4. Deposit Account Fees: Monthly maintenance fees on various account types (e.g., $5 for E-Checking, $8 for NOW Account, $10 for Money Market), per-item fees, minimum balance fees, and early closure fees.
5. Business Account Services: Business checking accounts with maintenance fees ($8-$50 monthly), per-transaction fees, Money Service Business accounts ($750 monthly maintenance), and commercial analysis checking.
6. Credit/Debit Card Revenue: Revenue from credit card and debit card transactions, including interchange fees and card-related services.
7. Merchant Services: Card payment processing services for business customers allowing acceptance of major credit and debit cards at point of sale.
8. Other Banking Services: Safe deposit boxes, cashier's checks, coin counting services, wire transfers, ACH originsations, and investment services through Pineland Investment Services.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Pineland Bank is a family-owned community bank offering a full suite of personal and business banking products including deposit accounts (checking, savings, money market, NOW), consumer loans, mortgage loans, commercial loans with SBA programs, credit and debit cards, and digital banking services. The bank serves southeast Georgia and northeast Florida through 9 physical branch locations supplemented by online and mobile banking platforms.

Product overview

Pineland Bank is a family-owned community bank offering a unified suite of traditional banking products and services across personal, business, and digital channels. The core portfolio includes personal and business deposit accounts (checking, savings, money market, NOW accounts), consumer and mortgage loans, commercial lending with SBA programs, credit/debit cards, and ancillary services. Digital banking is delivered through Online Banking and a Mobile Banking App, supplemented by Zelle P2P payments and Pineland Investment Services for wealth management. All products share the Pineland Bank brand identity with no distinct sub-platforms or modular architecture.

Differentiator

Problem solved

Functional benefit

Brands

• Pineland Investment Services: Full range of financial planning resources including retirement preparation, investment management, and wealth transfer strategies. Managed by licensed and registered financial advisors.

Products and services

• Personal Deposit Accounts Personal checking and savings account products including E-Checking, Pineland Personal Checking, Silver Pine Checking (55+), NOW Account, Money Market, Premier Money Market, Regular Savings, Christmas Club, Student Checking (ages 13-23), and Student Savings with varying minimum balance requirements and fee structures for individual consumers.
• Business Deposit Accounts Business banking accounts including Business Checking, Now Business, Money Service Business (MSB), Money Market Business, Economy Business Checking, Commercial Analysis Checking, Business Savings, and Cash Intensive Business Account with tiered fee structures for local businesses and commercial entities.
• Consumer Loans Personal lending products including vehicle loans (cars, recreational vehicles, boats, jet skis), vacation loans, real estate loans, mobile homes with land, debt consolidation, deposit/investment secured loans, and unsecured loans for individual borrowers.
• Mortgage Loans Residential real estate lending including home purchases, construction and permanent financing, home improvement, refinancing, VA loans, FHA loans, USDA loans, Home Ready products, home equity loans, and vacation home/condo purchases.
• Commercial Loans Business lending products covering commercial real estate, investment property financing, lines of credit, working capital loans, agriculture loans, equipment financing, and SBA lending as a preferred SBA lender for small businesses.
• Credit and Debit Cards Pineland Bank branded credit cards and MasterCard debit cards providing 24-hour fund access, Instant Card Issue at select locations, Advanced Risk Blocking for fraud protection on debit cards, and travel/foreign transaction notification capabilities.
• Online Banking Internet banking platform providing 24-hour secure access to check account balances, view check images, transfer funds, pay bills, set up alerts, retrieve account histories, and access paperless statements, secured with 128-bit SSL encryption.
• Mobile Banking App Mobile banking application available on Google Play and Apple App Store featuring Picture Pay bill payment, transaction history with check images, mobile check deposit, Quick Look balance access, fund transfers, and branch/ATM location finder with GPS.
• Zelle P2P Payments Person-to-person payment integration allowing users to send and receive money directly through the bank's digital banking platforms.
• Pineland Investment Services Financial planning and investment services provided through licensed and registered financial advisors, offering retirement preparation, investment management, and wealth transfer strategies for customers.
• Personal Banking Services Additional personal banking services including safe deposit boxes, cashier's checks, coin counting, wire transfers, ACH originiations, and paperless statements.
• Business Banking Services Business banking services including business credit/debit cards, wire transfers and ACH origination, Remote Deposit Capture with on-site installation, and Merchant Card Services for accepting credit and debit cards at point of sale.
• SBA Lending Program Small Business Administration (SBA) preferred lending program enabling quick expediting of small business loan requests for equipment purchases, inventory, accounts receivable funding, franchise fees, real estate purchases, and business financing.

Quantifiable outcome

• 86+ years of continuous operation since 1939
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• Small Business Administration (SBA)coreStrategic or Co-development PartnerPineland Bank is a preferred SBA lender, enabling quick expediting of small business loan requests for equipment purchases, inventory, accounts receivable funding, franchise fees, real estate purchases, and business financing.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• United Community Banks: Georgia-headquartered community bank holding company serving the Southeast with consumer, mortgage, and commercial lending — directly comparable in geography, product mix, and community banking model.
• Atlantic Capital Bancshares: Georgia-based commercial and community bank with similar deposit gathering, SBA, and commercial real estate focus — comparable size range and Southeast orientation.
• Ameris Bancorp: Southeast US community bank holding company with comparable mix of consumer, mortgage, and commercial lending across Georgia and Florida — strong geographic and product-line overlap.
• Live Oak Bancshares: Southeast US bank holding company with a nationally differentiated SBA and small business lending franchise — directly comparable SBA preferred-lender positioning that Pineland also holds.
• Queensborough National Bank & Trust: Georgia-based community bank with similar relationship-banking model in southeast Georgia — directly comparable in footprint, product set, and target customer segments.
• Colony Bankcorp: Georgia-based community bank holding company with branches concentrated in south and central Georgia — directly comparable market overlap, similar size, and identical SBA/community banking focus.
• Renasant Corporation: Southeast US community bank holding company with comparable consumer, mortgage, and commercial lending across similar regional markets in Georgia, Florida, and adjacent states.
• ServisFirst Bancshares: Southeast US commercial and community bank with strong commercial lending and treasury management offerings — comparable business banking and deposit franchise depth.

Broad incumbents

• Synovus Financial: Larger Georgia-based regional bank holding company with full commercial, retail, and wealth management capabilities — operates in overlapping Georgia markets but at materially greater scale and breadth.
• SouthState Corporation: Southeast US regional bank holding company with community banking roots across Georgia and Florida — overlap in Pineland's service area but with a much larger branch and digital footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/PinelandBank
• Facebookfacebook.com/PinelandBank
• Instagraminstagram.com/pinelandbank
• LinkedInlinkedin.com/company/pineland-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pineland Bank