County banking markets / AL / 01069
HoustonAlabama
FIPS 01069. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 66 counties in Alabama’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,003) and unconcentrated on deposits (1,346).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
34 branch offices and 10 institutions in 1994; 34 and 14 in 2025. Deposits booked in the county went from $1.03B to $3.44B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | ServisFirst Bank cert 57993 | $922.6M | 26.83% | 2 | 5.88% |
| 2 | Regions Bank cert 12368 | $539.8M | 15.70% | 5 | 14.71% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $414.7M | 12.06% | 4 | 11.76% |
| 4 | MidSouth Bank cert 2777 | $313.3M | 9.11% | 5 | 14.71% |
| 5 | Synovus Bank cert 873 | $189.4M | 5.51% | 1 | 2.94% |
| 6 | SmartBank cert 58463 | $185.4M | 5.39% | 1 | 2.94% |
| 7 | River Bank & Trust cert 58255 | $173.6M | 5.05% | 2 | 5.88% |
| 8 | Troy Bank & Trust Company cert 5598 | $165.8M | 4.82% | 2 | 5.88% |
| 9 | PeoplesSouth Bank cert 21292 | $121.2M | 3.52% | 5 | 14.71% |
| 10 | BankSouth cert 77 | $121.1M | 3.52% | 1 | 2.94% |
| 11 | Ameris Bank cert 20504 | $97.4M | 2.83% | 2 | 5.88% |
| 12 | PNC Bank, National Association cert 6384 | $79.3M | 2.31% | 1 | 2.94% |
| 13 | BankPlus cert 5903 | $60.5M | 1.76% | 2 | 5.88% |
| 14 | Friend Bank cert 2828 | $55.0M | 1.60% | 1 | 2.94% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Alabama, or read the methodology for the two HHI constructions and what they cannot tell you.