County banking markets / FL / 12095
OrangeFlorida
FIPS 12095. 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 (768) and unconcentrated on deposits (1,143).
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
180 branch offices and 27 institutions in 1994; 253 and 39 in 2025. Deposits booked in the county went from $6.89B to $44.59B, 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 | $8.63B | 19.35% | 31 | 12.25% |
| 2 | Bank of America, National Association cert 3510 | $7.80B | 17.50% | 28 | 11.07% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $6.26B | 14.04% | 31 | 12.25% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $6.10B | 13.67% | 27 | 10.67% |
| 5 | Regions Bank cert 12368 | $1.92B | 4.30% | 22 | 8.70% |
| 6 | Fifth Third Bank, National Association cert 6672 | $1.71B | 3.83% | 21 | 8.30% |
| 7 | TD Bank, National Association cert 18409 | $1.37B | 3.07% | 8 | 3.16% |
| 8 | One Florida Bank cert 58811 | $1.09B | 2.45% | 3 | 1.19% |
| 9 | Cogent Bank cert 34908 | $928.7M | 2.08% | 2 | 0.79% |
| 10 | Synovus Bank cert 873 | $879.6M | 1.97% | 4 | 1.58% |
| 11 | Seacoast National Bank cert 131 | $874.3M | 1.96% | 6 | 2.37% |
| 12 | First Horizon Bank cert 4977 | $799.1M | 1.79% | 6 | 2.37% |
| 13 | Winter Park National Bank cert 59105 | $714.4M | 1.60% | 1 | 0.40% |
| 14 | City National Bank of Florida cert 20234 | $667.6M | 1.50% | 2 | 0.79% |
| 15 | Valley National Bank cert 9396 | $660.2M | 1.48% | 5 | 1.98% |
| 16 | SouthState Bank, National Association cert 33555 | $601.3M | 1.35% | 5 | 1.98% |
| 17 | PNC Bank, National Association cert 6384 | $499.6M | 1.12% | 8 | 3.16% |
| 18 | Axiom Bank, National Association cert 31390 | $495.1M | 1.11% | 4 | 1.58% |
| 19 | United Community Bank cert 16889 | $393.7M | 0.88% | 3 | 1.19% |
| 20 | TrustCo Bank cert 31945 | $281.3M | 0.63% | 15 | 5.93% |
| 21 | First Colony Bank of Florida cert 58644 | $274.9M | 0.62% | 1 | 0.40% |
| 22 | Climate First Bank cert 59257 | $266.8M | 0.60% | 1 | 0.40% |
| 23 | Sunrise Bank cert 58029 | $252.8M | 0.57% | 1 | 0.40% |
| 24 | Banco do Brasil Americas cert 26725 | $194.1M | 0.44% | 1 | 0.40% |
| 25 | Ameris Bank cert 20504 | $165.0M | 0.37% | 2 | 0.79% |
| 26 | Commerce Bank & Trust cert 57429 | $142.8M | 0.32% | 1 | 0.40% |
| 27 | Florida Capital Bank, National Association cert 26323 | $109.9M | 0.25% | 1 | 0.40% |
| 28 | ServisFirst Bank cert 57993 | $96.8M | 0.22% | 1 | 0.40% |
| 29 | Amerasia Bank cert 27267 | $86.6M | 0.19% | 1 | 0.40% |
| 30 | Enterprise Bank & Trust cert 27237 | $86.4M | 0.19% | 1 | 0.40% |
| 31 | Central Bank cert 58377 | $63.0M | 0.14% | 1 | 0.40% |
| 32 | American Momentum Bank cert 58309 | $52.4M | 0.12% | 1 | 0.40% |
| 33 | BankUnited, National Association cert 58979 | $46.5M | 0.10% | 1 | 0.40% |
| 34 | Centennial Bank cert 11241 | $29.6M | 0.07% | 2 | 0.79% |
| 35 | First-Citizens Bank & Trust Company cert 11063 | $27.4M | 0.06% | 1 | 0.40% |
| 36 | Ocean Bank cert 24156 | $23.8M | 0.05% | 1 | 0.40% |
| 37 | Helm Bank USA cert 32718 | $95K | 0.00% | 1 | 0.40% |
| 38 | Woodforest National Bank cert 23220 | $0K | 0.00% | 1 | 0.40% |
| 39 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.40% |
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.