County banking markets / FL / 12091
OkaloosaFlorida
FIPS 12091. 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 (734) and unconcentrated on deposits (883).
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
52 branch offices and 15 institutions in 1994; 54 and 21 in 2025. Deposits booked in the county went from $1.32B to $5.09B, 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 | Synovus Bank cert 873 | $806.5M | 15.83% | 5 | 9.26% |
| 2 | Regions Bank cert 12368 | $631.3M | 12.39% | 7 | 12.96% |
| 3 | Bank of America, National Association cert 3510 | $553.6M | 10.87% | 3 | 5.56% |
| 4 | Hancock Whitney Bank cert 12441 | $532.2M | 10.45% | 4 | 7.41% |
| 5 | FNBT BANK cert 17580 | $461.3M | 9.05% | 7 | 12.96% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $358.3M | 7.03% | 3 | 5.56% |
| 7 | United Fidelity Bank, fsb cert 29566 | $303.9M | 5.96% | 1 | 1.85% |
| 8 | Renasant Bank cert 12437 | $303.8M | 5.96% | 4 | 7.41% |
| 9 | PNC Bank, National Association cert 6384 | $184.6M | 3.62% | 4 | 7.41% |
| 10 | Trustmark National Bank cert 4988 | $132.1M | 2.59% | 2 | 3.70% |
| 11 | Truist Bank cert 9846 | $127.0M | 2.49% | 2 | 3.70% |
| 12 | CCB Community Bank cert 16595 | $124.6M | 2.44% | 2 | 3.70% |
| 13 | ServisFirst Bank cert 57993 | $100.6M | 1.97% | 1 | 1.85% |
| 14 | SmartBank cert 58463 | $97.5M | 1.91% | 1 | 1.85% |
| 15 | PNB Community Bank cert 26687 | $95.5M | 1.87% | 1 | 1.85% |
| 16 | Community Bank of Mississippi cert 8879 | $71.5M | 1.40% | 2 | 3.70% |
| 17 | United Community Bank cert 16889 | $63.6M | 1.25% | 1 | 1.85% |
| 18 | Centennial Bank cert 11241 | $48.4M | 0.95% | 1 | 1.85% |
| 19 | Cadence Bank cert 11813 | $44.4M | 0.87% | 1 | 1.85% |
| 20 | Origin Bank cert 12614 | $27.4M | 0.54% | 1 | 1.85% |
| 21 | MidSouth Bank cert 2777 | $26.8M | 0.53% | 1 | 1.85% |
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.