County banking markets / AL / 01125
TuscaloosaAlabama
FIPS 01125. 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 (616) and unconcentrated on deposits (1,112).
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
38 branch offices and 9 institutions in 1994; 48 and 24 in 2025. Deposits booked in the county went from $1.34B to $4.52B, 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 | Bryant Bank cert 57997 | $896.3M | 19.81% | 4 | 8.33% |
| 2 | Regions Bank cert 12368 | $739.7M | 16.35% | 7 | 14.58% |
| 3 | Synovus Bank cert 873 | $553.3M | 12.23% | 3 | 6.25% |
| 4 | SmartBank cert 58463 | $496.4M | 10.97% | 3 | 6.25% |
| 5 | Cadence Bank cert 11813 | $373.3M | 8.25% | 2 | 4.17% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $278.0M | 6.14% | 3 | 6.25% |
| 7 | PNC Bank, National Association cert 6384 | $242.6M | 5.36% | 3 | 6.25% |
| 8 | BankFirst Financial Services cert 8870 | $211.6M | 4.68% | 2 | 4.17% |
| 9 | West Alabama Bank & Trust cert 16175 | $123.2M | 2.72% | 2 | 4.17% |
| 10 | First Federal Bank, A FSB cert 31127 | $120.1M | 2.65% | 3 | 6.25% |
| 11 | Renasant Bank cert 12437 | $77.6M | 1.72% | 1 | 2.08% |
| 12 | Robertson Banking Company cert 39 | $66.7M | 1.47% | 2 | 4.17% |
| 13 | CB&S Bank, Inc. cert 15310 | $64.5M | 1.43% | 1 | 2.08% |
| 14 | First US Bank cert 17077 | $46.4M | 1.03% | 1 | 2.08% |
| 15 | Local Bank cert 9614 | $38.6M | 0.85% | 1 | 2.08% |
| 16 | United Community Bank cert 16889 | $37.1M | 0.82% | 1 | 2.08% |
| 17 | JPMorgan Chase Bank, National Association cert 628 | $34.1M | 0.75% | 1 | 2.08% |
| 18 | Truist Bank cert 9846 | $32.7M | 0.72% | 1 | 2.08% |
| 19 | First Financial Bank cert 19440 | $28.9M | 0.64% | 1 | 2.08% |
| 20 | Trustmark National Bank cert 4988 | $24.9M | 0.55% | 1 | 2.08% |
| 21 | First State Bank of the South, Inc. cert 21050 | $17.0M | 0.38% | 1 | 2.08% |
| 22 | FirstBank cert 8663 | $9.5M | 0.21% | 1 | 2.08% |
| 23 | Investar Bank, National Association cert 58316 | $8.1M | 0.18% | 1 | 2.08% |
| 24 | Woodforest National Bank cert 23220 | $3.2M | 0.07% | 2 | 4.17% |
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.