County banking markets / AL / 01101
MontgomeryAlabama
FIPS 01101. 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 (886) and unconcentrated on deposits (1,332).
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
70 branch offices and 10 institutions in 1994; 53 and 20 in 2025. Deposits booked in the county went from $2.52B to $7.19B, 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 | $1.68B | 23.31% | 11 | 20.75% |
| 2 | ServisFirst Bank cert 57993 | $1.39B | 19.36% | 2 | 3.77% |
| 3 | Synovus Bank cert 873 | $842.1M | 11.72% | 2 | 3.77% |
| 4 | River Bank & Trust cert 58255 | $743.7M | 10.35% | 2 | 3.77% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $715.7M | 9.96% | 4 | 7.55% |
| 6 | PNC Bank, National Association cert 6384 | $346.8M | 4.83% | 5 | 9.43% |
| 7 | Valley National Bank cert 9396 | $254.9M | 3.55% | 4 | 7.55% |
| 8 | Truist Bank cert 9846 | $207.9M | 2.89% | 5 | 9.43% |
| 9 | Renasant Bank cert 12437 | $205.2M | 2.85% | 2 | 3.77% |
| 10 | Trustmark National Bank cert 4988 | $199.3M | 2.77% | 3 | 5.66% |
| 11 | SmartBank cert 58463 | $141.2M | 1.96% | 1 | 1.89% |
| 12 | AmeriFirst Bank cert 2838 | $103.5M | 1.44% | 1 | 1.89% |
| 13 | Bank of Hope cert 26610 | $80.4M | 1.12% | 1 | 1.89% |
| 14 | Metro City Bank cert 58181 | $68.9M | 0.96% | 1 | 1.89% |
| 15 | CB&S Bank, Inc. cert 15310 | $68.2M | 0.95% | 1 | 1.89% |
| 16 | Liberty Bank and Trust Company cert 20856 | $60.3M | 0.84% | 1 | 1.89% |
| 17 | Brantley Bank and Trust Company cert 16386 | $36.7M | 0.51% | 2 | 3.77% |
| 18 | Cadence Bank cert 11813 | $28.6M | 0.40% | 1 | 1.89% |
| 19 | Marion Community Bank cert 14184 | $11.5M | 0.16% | 1 | 1.89% |
| 20 | Woodforest National Bank cert 23220 | $6.0M | 0.08% | 3 | 5.66% |
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.