County banking markets / FL / 12103
PinellasFlorida
FIPS 12103. 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 (735) and highly concentrated on deposits (3,099).
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
326 branch offices and 37 institutions in 1994; 237 and 32 in 2025. Deposits booked in the county went from $13.52B to $71.06B, 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 | Raymond James Bank cert 33893 | $38.36B | 53.97% | 1 | 0.42% |
| 2 | Bank of America, National Association cert 3510 | $5.37B | 7.56% | 21 | 8.86% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $4.16B | 5.85% | 25 | 10.55% |
| 4 | Regions Bank cert 12368 | $3.93B | 5.53% | 27 | 11.39% |
| 5 | Truist Bank cert 9846 | $3.78B | 5.32% | 28 | 11.81% |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $2.80B | 3.94% | 26 | 10.97% |
| 7 | Fifth Third Bank, National Association cert 6672 | $1.40B | 1.97% | 20 | 8.44% |
| 8 | Valley National Bank cert 9396 | $1.37B | 1.93% | 8 | 3.38% |
| 9 | Bank OZK cert 110 | $1.19B | 1.68% | 9 | 3.80% |
| 10 | Hancock Whitney Bank cert 12441 | $890.5M | 1.25% | 5 | 2.11% |
| 11 | BayFirst National Bank cert 34997 | $774.7M | 1.09% | 5 | 2.11% |
| 12 | EverBank, National Association cert 34775 | $750.7M | 1.06% | 1 | 0.42% |
| 13 | Synovus Bank cert 873 | $744.9M | 1.05% | 7 | 2.95% |
| 14 | Climate First Bank cert 59257 | $658.1M | 0.93% | 1 | 0.42% |
| 15 | TD Bank, National Association cert 18409 | $647.1M | 0.91% | 8 | 3.38% |
| 16 | Third Federal Savings and Loan Association of Cleveland cert 30012 | $587.7M | 0.83% | 3 | 1.27% |
| 17 | Flagship Bank cert 58113 | $539.7M | 0.76% | 5 | 2.11% |
| 18 | PNC Bank, National Association cert 6384 | $524.5M | 0.74% | 7 | 2.95% |
| 19 | First Horizon Bank cert 4977 | $420.9M | 0.59% | 2 | 0.84% |
| 20 | Republic Bank & Trust Company cert 23627 | $318.0M | 0.45% | 4 | 1.69% |
| 21 | Seacoast National Bank cert 131 | $310.8M | 0.44% | 3 | 1.27% |
| 22 | Waterfall Bank cert 59265 | $305.8M | 0.43% | 1 | 0.42% |
| 23 | The Bank of Tampa cert 21031 | $253.7M | 0.36% | 3 | 1.27% |
| 24 | BankUnited, National Association cert 58979 | $237.8M | 0.33% | 3 | 1.27% |
| 25 | SouthState Bank, National Association cert 33555 | $208.6M | 0.29% | 2 | 0.84% |
| 26 | First-Citizens Bank & Trust Company cert 11063 | $167.1M | 0.24% | 3 | 1.27% |
| 27 | Centennial Bank cert 11241 | $145.1M | 0.20% | 3 | 1.27% |
| 28 | Cogent Bank cert 34908 | $117.4M | 0.17% | 1 | 0.42% |
| 29 | Cadence Bank cert 11813 | $55.2M | 0.08% | 1 | 0.42% |
| 30 | Stearns Bank National Association cert 10988 | $28.2M | 0.04% | 1 | 0.42% |
| 31 | American Momentum Bank cert 58309 | $25.4M | 0.04% | 2 | 0.84% |
| 32 | The Northern Trust Company cert 913 | $6K | 0.00% | 1 | 0.42% |
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.