County banking markets / AL / 01073
JeffersonAlabama
FIPS 01073. 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 (875) and moderately concentrated on deposits (1,538).
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
205 branch offices and 19 institutions in 1994; 181 and 40 in 2025. Deposits booked in the county went from $9.77B to $44.07B, 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 | Regions Bank cert 12368 | $14.44B | 32.78% | 41 | 22.65% |
| 2 | PNC Bank, National Association cert 6384 | $5.80B | 13.16% | 18 | 9.94% |
| 3 | ServisFirst Bank cert 57993 | $4.51B | 10.23% | 2 | 1.10% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $3.28B | 7.44% | 19 | 10.50% |
| 5 | Synovus Bank cert 873 | $3.04B | 6.91% | 8 | 4.42% |
| 6 | Truist Bank cert 9846 | $2.97B | 6.75% | 9 | 4.97% |
| 7 | Oakworth Capital Bank cert 58783 | $1.22B | 2.77% | 1 | 0.55% |
| 8 | Cadence Bank cert 11813 | $1.19B | 2.71% | 9 | 4.97% |
| 9 | First Horizon Bank cert 4977 | $1.17B | 2.66% | 7 | 3.87% |
| 10 | SouthPoint Bank cert 58088 | $991.3M | 2.25% | 5 | 2.76% |
| 11 | CommerceOne Bank cert 59114 | $672.3M | 1.53% | 1 | 0.55% |
| 12 | FirstBank cert 8663 | $509.0M | 1.16% | 2 | 1.10% |
| 13 | Bryant Bank cert 57997 | $501.0M | 1.14% | 5 | 2.76% |
| 14 | Pinnacle Bank cert 35583 | $485.2M | 1.10% | 2 | 1.10% |
| 15 | SouthState Bank, National Association cert 33555 | $485.0M | 1.10% | 1 | 0.55% |
| 16 | Renasant Bank cert 12437 | $401.1M | 0.91% | 2 | 1.10% |
| 17 | Valley National Bank cert 9396 | $348.3M | 0.79% | 3 | 1.66% |
| 18 | Peoples Bank of Alabama cert 22537 | $189.0M | 0.43% | 4 | 2.21% |
| 19 | United Community Bank cert 16889 | $180.8M | 0.41% | 2 | 1.10% |
| 20 | First US Bank cert 17077 | $151.8M | 0.34% | 1 | 0.55% |
| 21 | River Bank & Trust cert 58255 | $145.7M | 0.33% | 1 | 0.55% |
| 22 | Community Bank of Mississippi cert 8879 | $133.0M | 0.30% | 2 | 1.10% |
| 23 | First Financial Bank cert 19440 | $132.7M | 0.30% | 3 | 1.66% |
| 24 | Trustmark National Bank cert 4988 | $130.1M | 0.30% | 3 | 1.66% |
| 25 | The Hometown Bank of Alabama cert 57540 | $112.0M | 0.25% | 1 | 0.55% |
| 26 | Millennial Bank cert 34460 | $110.4M | 0.25% | 1 | 0.55% |
| 27 | JPMorgan Chase Bank, National Association cert 628 | $109.8M | 0.25% | 5 | 2.76% |
| 28 | SmartBank cert 58463 | $105.1M | 0.24% | 1 | 0.55% |
| 29 | First National Banker's Bank cert 25247 | $88.9M | 0.20% | 1 | 0.55% |
| 30 | Citizens Trust Bank cert 8033 | $77.4M | 0.18% | 1 | 0.55% |
| 31 | Union State Bank cert 5602 | $56.8M | 0.13% | 2 | 1.10% |
| 32 | Southern States Bank cert 58558 | $52.9M | 0.12% | 1 | 0.55% |
| 33 | Robertson Banking Company cert 39 | $50.9M | 0.12% | 2 | 1.10% |
| 34 | EvaBank cert 26799 | $50.4M | 0.11% | 1 | 0.55% |
| 35 | Pinnacle Bank cert 29548 | $42.4M | 0.10% | 3 | 1.66% |
| 36 | CB&S Bank, Inc. cert 15310 | $37.8M | 0.09% | 1 | 0.55% |
| 37 | NobleBank & Trust cert 58111 | $33.8M | 0.08% | 1 | 0.55% |
| 38 | West Alabama Bank & Trust cert 16175 | $17.9M | 0.04% | 1 | 0.55% |
| 39 | Woodforest National Bank cert 23220 | $15.3M | 0.03% | 7 | 3.87% |
| 40 | Alamerica Bank cert 35314 | $15.1M | 0.03% | 1 | 0.55% |
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.