County banking markets / AL / 01081
LeeAlabama
FIPS 01081. 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 (638) and unconcentrated on deposits (945).
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
25 branch offices and 9 institutions in 1994; 40 and 21 in 2025. Deposits booked in the county went from $727.5M to $4.42B, 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 | AuburnBank cert 35 | $868.3M | 19.64% | 5 | 12.50% |
| 2 | SouthState Bank, National Association cert 33555 | $493.7M | 11.16% | 3 | 7.50% |
| 3 | Regions Bank cert 12368 | $388.8M | 8.79% | 2 | 5.00% |
| 4 | Southern States Bank cert 58558 | $378.1M | 8.55% | 2 | 5.00% |
| 5 | River Bank & Trust cert 58255 | $371.6M | 8.40% | 3 | 7.50% |
| 6 | PNC Bank, National Association cert 6384 | $346.6M | 7.84% | 4 | 10.00% |
| 7 | Wells Fargo Bank, National Association cert 3511 | $299.9M | 6.78% | 3 | 7.50% |
| 8 | Cadence Bank cert 11813 | $282.0M | 6.38% | 2 | 5.00% |
| 9 | SmartBank cert 58463 | $234.6M | 5.31% | 1 | 2.50% |
| 10 | Truist Bank cert 9846 | $163.0M | 3.69% | 2 | 5.00% |
| 11 | Metro City Bank cert 58181 | $133.9M | 3.03% | 1 | 2.50% |
| 12 | Renasant Bank cert 12437 | $101.0M | 2.28% | 1 | 2.50% |
| 13 | Trustmark National Bank cert 4988 | $75.0M | 1.70% | 2 | 5.00% |
| 14 | JPMorgan Chase Bank, National Association cert 628 | $70.9M | 1.60% | 1 | 2.50% |
| 15 | Valley National Bank cert 9396 | $50.0M | 1.13% | 1 | 2.50% |
| 16 | MidSouth Bank cert 2777 | $41.0M | 0.93% | 1 | 2.50% |
| 17 | Troy Bank & Trust Company cert 5598 | $35.7M | 0.81% | 2 | 5.00% |
| 18 | CB&S Bank, Inc. cert 15310 | $34.8M | 0.79% | 1 | 2.50% |
| 19 | AmeriFirst Bank cert 2838 | $32.1M | 0.73% | 1 | 2.50% |
| 20 | ServisFirst Bank cert 57993 | $10.6M | 0.24% | 1 | 2.50% |
| 21 | Phenix-Girard Bank cert 41 | $10.3M | 0.23% | 1 | 2.50% |
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.