County banking markets / FL / 12005
BayFlorida
FIPS 12005. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 67 counties in Florida’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 (880) and unconcentrated on deposits (1,150).
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
41 branch offices and 10 institutions in 1994; 50 and 18 in 2025. Deposits booked in the county went from $1.02B to $4.41B, 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 | Trustmark National Bank cert 4988 | $788.0M | 17.86% | 7 | 14.00% |
| 2 | Regions Bank cert 12368 | $768.2M | 17.41% | 9 | 18.00% |
| 3 | Hancock Whitney Bank cert 12441 | $528.5M | 11.98% | 3 | 6.00% |
| 4 | Cadence Bank cert 11813 | $508.2M | 11.52% | 2 | 4.00% |
| 5 | Ameris Bank cert 20504 | $394.9M | 8.95% | 3 | 6.00% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $388.3M | 8.80% | 3 | 6.00% |
| 7 | Centennial Bank cert 11241 | $284.6M | 6.45% | 4 | 8.00% |
| 8 | Truist Bank cert 9846 | $241.6M | 5.47% | 2 | 4.00% |
| 9 | Community Bank of Mississippi cert 8879 | $126.1M | 2.86% | 2 | 4.00% |
| 10 | First Federal Bank cert 31313 | $114.4M | 2.59% | 1 | 2.00% |
| 11 | MidSouth Bank cert 2777 | $79.4M | 1.80% | 2 | 4.00% |
| 12 | SmartBank cert 58463 | $57.0M | 1.29% | 1 | 2.00% |
| 13 | PeoplesSouth Bank cert 21292 | $54.7M | 1.24% | 4 | 8.00% |
| 14 | ServisFirst Bank cert 57993 | $46.1M | 1.04% | 1 | 2.00% |
| 15 | Capital City Bank cert 9622 | $18.8M | 0.43% | 3 | 6.00% |
| 16 | United Community Bank cert 16889 | $7.6M | 0.17% | 1 | 2.00% |
| 17 | Renasant Bank cert 12437 | $6.5M | 0.15% | 1 | 2.00% |
| 18 | Southeast First National Bank cert 19819 | $54K | 0.00% | 1 | 2.00% |
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 Florida, or read the methodology for the two HHI constructions and what they cannot tell you.