County banking markets / AL / 01097
MobileAlabama
FIPS 01097. 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 (973) and moderately concentrated on deposits (1,534).
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
99 branch offices and 12 institutions in 1994; 105 and 25 in 2025. Deposits booked in the county went from $3.30B to $10.12B, 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 | $3.15B | 31.07% | 24 | 22.86% |
| 2 | Hancock Whitney Bank cert 12441 | $1.54B | 15.23% | 7 | 6.67% |
| 3 | PNC Bank, National Association cert 6384 | $1.34B | 13.28% | 14 | 13.33% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $699.7M | 6.91% | 7 | 6.67% |
| 5 | ServisFirst Bank cert 57993 | $655.6M | 6.48% | 2 | 1.90% |
| 6 | First Horizon Bank cert 4977 | $515.8M | 5.10% | 2 | 1.90% |
| 7 | Trustmark National Bank cert 4988 | $427.9M | 4.23% | 6 | 5.71% |
| 8 | Renasant Bank cert 12437 | $313.2M | 3.09% | 8 | 7.62% |
| 9 | Cadence Bank cert 11813 | $186.4M | 1.84% | 3 | 2.86% |
| 10 | Oakworth Capital Bank cert 58783 | $170.6M | 1.69% | 1 | 0.95% |
| 11 | Century Bank cert 11448 | $154.2M | 1.52% | 5 | 4.76% |
| 12 | BankPlus cert 5903 | $148.9M | 1.47% | 2 | 1.90% |
| 13 | 22nd State Bank cert 16910 | $131.4M | 1.30% | 2 | 1.90% |
| 14 | Truist Bank cert 9846 | $126.9M | 1.25% | 3 | 2.86% |
| 15 | Community Bank of Mississippi cert 8879 | $108.5M | 1.07% | 2 | 1.90% |
| 16 | River Bank & Trust cert 58255 | $107.1M | 1.06% | 3 | 2.86% |
| 17 | Synovus Bank cert 873 | $73.5M | 0.73% | 1 | 0.95% |
| 18 | Commonwealth National Bank cert 22229 | $56.8M | 0.56% | 2 | 1.90% |
| 19 | SmartBank cert 58463 | $48.5M | 0.48% | 1 | 0.95% |
| 20 | Bryant Bank cert 57997 | $42.1M | 0.42% | 1 | 0.95% |
| 21 | United Bank cert 58 | $37.0M | 0.37% | 1 | 0.95% |
| 22 | Origin Bank cert 12614 | $36.7M | 0.36% | 1 | 0.95% |
| 23 | The First National Bank and Trust cert 2779 | $23.3M | 0.23% | 1 | 0.95% |
| 24 | Merchants & Marine Bank cert 12203 | $15.9M | 0.16% | 2 | 1.90% |
| 25 | Woodforest National Bank cert 23220 | $12.1M | 0.12% | 4 | 3.81% |
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.