County banking markets / FL / 12031
DuvalFlorida
FIPS 12031. 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 (765) and highly concentrated on deposits (3,990).
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
149 branch offices and 18 institutions in 1994; 152 and 29 in 2025. Deposits booked in the county went from $6.51B to $107.08B, 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 | Bank of America, National Association cert 3510 | $60.68B | 56.67% | 15 | 9.87% |
| 2 | EverBank, National Association cert 34775 | $29.08B | 27.16% | 5 | 3.29% |
| 3 | Truist Bank cert 9846 | $5.04B | 4.71% | 15 | 9.87% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $3.99B | 3.72% | 25 | 16.45% |
| 5 | Ameris Bank cert 20504 | $1.38B | 1.29% | 10 | 6.58% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $898.3M | 0.84% | 13 | 8.55% |
| 7 | PNC Bank, National Association cert 6384 | $757.7M | 0.71% | 10 | 6.58% |
| 8 | Regions Bank cert 12368 | $711.0M | 0.66% | 9 | 5.92% |
| 9 | Synovus Bank cert 873 | $571.1M | 0.53% | 3 | 1.97% |
| 10 | SouthState Bank, National Association cert 33555 | $561.6M | 0.52% | 4 | 2.63% |
| 11 | Fifth Third Bank, National Association cert 6672 | $531.2M | 0.50% | 9 | 5.92% |
| 12 | TD Bank, National Association cert 18409 | $481.5M | 0.45% | 5 | 3.29% |
| 13 | Florida Capital Bank, National Association cert 26323 | $431.1M | 0.40% | 2 | 1.32% |
| 14 | Hancock Whitney Bank cert 12441 | $395.6M | 0.37% | 1 | 0.66% |
| 15 | Bank OZK cert 110 | $306.2M | 0.29% | 3 | 1.97% |
| 16 | First-Citizens Bank & Trust Company cert 11063 | $293.2M | 0.27% | 3 | 1.97% |
| 17 | Cogent Bank cert 34908 | $211.4M | 0.20% | 1 | 0.66% |
| 18 | Valley National Bank cert 9396 | $184.7M | 0.17% | 1 | 0.66% |
| 19 | Seacoast National Bank cert 131 | $131.6M | 0.12% | 1 | 0.66% |
| 20 | First Horizon Bank cert 4977 | $103.2M | 0.10% | 1 | 0.66% |
| 21 | Renasant Bank cert 12437 | $94.0M | 0.09% | 2 | 1.32% |
| 22 | TC FEDERAL BANK cert 29331 | $88.9M | 0.08% | 1 | 0.66% |
| 23 | Pinnacle Bank cert 35583 | $76.7M | 0.07% | 1 | 0.66% |
| 24 | The Claxton Bank cert 15826 | $29.7M | 0.03% | 1 | 0.66% |
| 25 | The Northern Trust Company cert 913 | $24.5M | 0.02% | 1 | 0.66% |
| 26 | First Federal Bank cert 31313 | $10.0M | 0.01% | 1 | 0.66% |
| 27 | Woodforest National Bank cert 23220 | $7.0M | 0.01% | 7 | 4.61% |
| 28 | Cypress Bank & Trust cert 35506 | $5.1M | 0.00% | 1 | 0.66% |
| 29 | The Bank of New York Mellon Trust Company, National Association cert 23472 | $0K | 0.00% | 1 | 0.66% |
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 Florida, or read the methodology for the two HHI constructions and what they cannot tell you.