County banking markets / FL / 12071
LeeFlorida
FIPS 12071. 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 (707) and unconcentrated on deposits (801).
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
151 branch offices and 25 institutions in 1994; 160 and 33 in 2025. Deposits booked in the county went from $4.75B to $22.29B, 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 | Wells Fargo Bank, National Association cert 3511 | $3.18B | 14.24% | 21 | 13.13% |
| 2 | Bank of America, National Association cert 3510 | $2.91B | 13.04% | 16 | 10.00% |
| 3 | Truist Bank cert 9846 | $2.39B | 10.71% | 15 | 9.38% |
| 4 | Fifth Third Bank, National Association cert 6672 | $2.02B | 9.08% | 19 | 11.88% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $1.96B | 8.79% | 13 | 8.13% |
| 6 | FineMark National Bank & Trust cert 58486 | $1.94B | 8.71% | 5 | 3.13% |
| 7 | First Horizon Bank cert 4977 | $869.6M | 3.90% | 9 | 5.63% |
| 8 | Sanibel Captiva Community Bank cert 57425 | $835.2M | 3.75% | 8 | 5.00% |
| 9 | EverBank, National Association cert 34775 | $650.4M | 2.92% | 1 | 0.63% |
| 10 | Bank OZK cert 110 | $641.2M | 2.88% | 6 | 3.75% |
| 11 | Regions Bank cert 12368 | $602.5M | 2.70% | 8 | 5.00% |
| 12 | Valley National Bank cert 9396 | $393.9M | 1.77% | 3 | 1.88% |
| 13 | Synovus Bank cert 873 | $383.7M | 1.72% | 4 | 2.50% |
| 14 | The Northern Trust Company cert 913 | $374.5M | 1.68% | 2 | 1.25% |
| 15 | Edison National Bank cert 34489 | $353.6M | 1.59% | 4 | 2.50% |
| 16 | Centennial Bank cert 11241 | $335.5M | 1.50% | 2 | 1.25% |
| 17 | Busey Bank cert 16450 | $313.4M | 1.41% | 2 | 1.25% |
| 18 | Third Federal Savings and Loan Association of Cleveland cert 30012 | $295.7M | 1.33% | 2 | 1.25% |
| 19 | Cogent Bank cert 34908 | $293.3M | 1.32% | 1 | 0.63% |
| 20 | PNC Bank, National Association cert 6384 | $258.6M | 1.16% | 2 | 1.25% |
| 21 | BankUnited, National Association cert 58979 | $210.7M | 0.95% | 2 | 1.25% |
| 22 | United Fidelity Bank, fsb cert 29566 | $187.9M | 0.84% | 1 | 0.63% |
| 23 | First-Citizens Bank & Trust Company cert 11063 | $163.8M | 0.73% | 2 | 1.25% |
| 24 | Gulf Coast Business Bank cert 59281 | $126.9M | 0.57% | 1 | 0.63% |
| 25 | First Bank cert 9620 | $125.2M | 0.56% | 1 | 0.63% |
| 26 | BMO Bank National Association cert 16571 | $124.3M | 0.56% | 1 | 0.63% |
| 27 | TD Bank, National Association cert 18409 | $88.2M | 0.40% | 1 | 0.63% |
| 28 | Crews Bank & Trust cert 8021 | $83.0M | 0.37% | 1 | 0.63% |
| 29 | Lake Forest Bank & Trust Company, National Association cert 27589 | $71.8M | 0.32% | 2 | 1.25% |
| 30 | IncredibleBank cert 19772 | $57.1M | 0.26% | 2 | 1.25% |
| 31 | Flagstar Bank, National Association cert 32541 | $55.3M | 0.25% | 1 | 0.63% |
| 32 | KeyBank National Association cert 17534 | $3.0M | 0.01% | 1 | 0.63% |
| 33 | American Momentum Bank cert 58309 | $0K | 0.00% | 1 | 0.63% |
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.