County banking markets / FL / 12057
HillsboroughFlorida
FIPS 12057. 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 (684) and unconcentrated on deposits (932).
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
205 branch offices and 38 institutions in 1994; 257 and 48 in 2025. Deposits booked in the county went from $8.99B to $44.94B, 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 | Truist Bank cert 9846 | $7.01B | 15.59% | 33 | 12.84% |
| 2 | Bank of America, National Association cert 3510 | $6.86B | 15.26% | 31 | 12.06% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $6.53B | 14.53% | 21 | 8.17% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $3.95B | 8.79% | 27 | 10.51% |
| 5 | Regions Bank cert 12368 | $2.77B | 6.16% | 21 | 8.17% |
| 6 | Fifth Third Bank, National Association cert 6672 | $2.62B | 5.82% | 19 | 7.39% |
| 7 | Valley National Bank cert 9396 | $2.57B | 5.71% | 6 | 2.33% |
| 8 | The Bank of Tampa cert 21031 | $2.37B | 5.28% | 8 | 3.11% |
| 9 | Synovus Bank cert 873 | $1.43B | 3.19% | 4 | 1.56% |
| 10 | PNC Bank, National Association cert 6384 | $1.27B | 2.83% | 9 | 3.50% |
| 11 | TD Bank, National Association cert 18409 | $923.5M | 2.05% | 11 | 4.28% |
| 12 | SouthState Bank, National Association cert 33555 | $701.5M | 1.56% | 5 | 1.95% |
| 13 | Bank OZK cert 110 | $667.4M | 1.48% | 6 | 2.33% |
| 14 | BMO Bank National Association cert 16571 | $646.2M | 1.44% | 3 | 1.17% |
| 15 | ServisFirst Bank cert 57993 | $464.0M | 1.03% | 1 | 0.39% |
| 16 | Cadence Bank cert 11813 | $459.2M | 1.02% | 3 | 1.17% |
| 17 | The Northern Trust Company cert 913 | $394.1M | 0.88% | 1 | 0.39% |
| 18 | TCM Bank, National Association cert 34535 | $285.5M | 0.64% | 1 | 0.39% |
| 19 | Seacoast National Bank cert 131 | $273.0M | 0.61% | 3 | 1.17% |
| 20 | Centennial Bank cert 11241 | $230.0M | 0.51% | 5 | 1.95% |
| 21 | First Horizon Bank cert 4977 | $214.5M | 0.48% | 3 | 1.17% |
| 22 | BankUnited, National Association cert 58979 | $212.0M | 0.47% | 1 | 0.39% |
| 23 | Cogent Bank cert 34908 | $206.1M | 0.46% | 1 | 0.39% |
| 24 | Republic Bank & Trust Company cert 23627 | $174.2M | 0.39% | 2 | 0.78% |
| 25 | Central Bank cert 58377 | $161.8M | 0.36% | 1 | 0.39% |
| 26 | First-Citizens Bank & Trust Company cert 11063 | $156.6M | 0.35% | 3 | 1.17% |
| 27 | American Momentum Bank cert 58309 | $143.4M | 0.32% | 2 | 0.78% |
| 28 | BayFirst National Bank cert 34997 | $139.0M | 0.31% | 2 | 0.78% |
| 29 | Bank of Central Florida cert 58479 | $121.0M | 0.27% | 2 | 0.78% |
| 30 | Hancock Whitney Bank cert 12441 | $118.8M | 0.26% | 2 | 0.78% |
| 31 | Renasant Bank cert 12437 | $117.6M | 0.26% | 1 | 0.39% |
| 32 | Third Federal Savings and Loan Association of Cleveland cert 30012 | $105.5M | 0.23% | 1 | 0.39% |
| 33 | Amerant Bank, National Association cert 22953 | $101.1M | 0.23% | 1 | 0.39% |
| 34 | Century Bank of Florida cert 35558 | $87.7M | 0.20% | 1 | 0.39% |
| 35 | ENCORE BANK cert 34562 | $81.1M | 0.18% | 1 | 0.39% |
| 36 | INB, National Association cert 3664 | $78.4M | 0.17% | 1 | 0.39% |
| 37 | Citizens Bank and Trust cert 5673 | $74.0M | 0.16% | 2 | 0.78% |
| 38 | TrustCo Bank cert 31945 | $73.4M | 0.16% | 2 | 0.78% |
| 39 | First Foundation Bank cert 58647 | $54.3M | 0.12% | 1 | 0.39% |
| 40 | Florida Capital Bank, National Association cert 26323 | $26.7M | 0.06% | 1 | 0.39% |
| 41 | United Community Bank cert 16889 | $22.2M | 0.05% | 1 | 0.39% |
| 42 | Beal Bank USA cert 57833 | $19.2M | 0.04% | 1 | 0.39% |
| 43 | Metro City Bank cert 58181 | $17.3M | 0.04% | 1 | 0.39% |
| 44 | BankFlorida cert 58537 | $11.2M | 0.02% | 1 | 0.39% |
| 45 | Woodforest National Bank cert 23220 | $790K | 0.00% | 1 | 0.39% |
| 46 | Members Trust Company cert 57470 | $500K | 0.00% | 1 | 0.39% |
| 47 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.39% |
| 48 | CIBC National Trust Company cert 91325 | $0K | 0.00% | 1 | 0.39% |
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.