Calhoun County, Alabama, a core county of the Anniston-Oxford, AL market, holds $2.4B in deposits across 10 insured institutions and 30 branches. Regions Bank is the largest deposit holder at 19.4% share. The top three institutions hold 49.9% of deposits, which places the county in the moderately concentrated band. Deposits have grown 7.6% since 2020 while the branch count fell by 3. It produces $5.0B of output, ranking #598 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 33 in 2020 to 30 in 2025. Institutions: 10 to 10. Top-three share: 49.5% to 49.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Regions Bank | $464M | 19.4% | -2% |
| Southern States Bank | $392M | 16.4% | +67% |
| NobleBank & Trust | $338M | 14.1% | +31% |
| Wells Fargo Bank, National Association | $305M | 12.8% | 0% |
| Farmers and Merchants Bank | $272M | 11.4% | +22% |
| Investar Bank, National Association | $238M | 10.0% | no 2020 presence |
| Truist Bank | $196M | 8.2% | -39% |
| PNC Bank, National Association | $97M | 4.0% | -51% |
| First Bank of Alabama | $88M | 3.7% | +664% |
| Woodforest National Bank | $3M | 0.1% | +26% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Anniston-Oxford market
Calhoun County is the only county in the Anniston-Oxford, AL market, a Metropolitan Statistical Area (ranked #272 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Calhoun County | Share of Anniston-Oxford market |
|---|---|---|
| 2024 GDP | $5.0B | 100.0% |
| Deposits | $2.4B | 100.0% |
| Population | 115,834 | 100.0% |
See the Anniston-Oxford market in Market Intelligence →
Recruiting in Calhoun County
Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Calhoun County, on a retained basis.
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