Market Intelligence

Collier County, FL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Collier County, Florida, a core county of the Cape Coral-Fort Myers-Naples, FL market, holds $19.2B in deposits across 37 insured institutions and 126 branches. Fifth Third Bank is the largest deposit holder at 14.0% share. The top three banks hold 37% of deposits, which places the county in the Fragmented band. Deposits have fallen 17.0% since 2021 while the branch count fell by 6.7%. It produced $27.8B of real gross domestic product in 2024, ranking #169 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$27.8B
#169 of 1,523
Population
417,131
#186 of 1,523
GDP per Capita
$66,694
#239 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$19.2B
#123 of 1,523
Deposits per Capita
$45,932
#124 of 1,523
Deposits per Branch
$152M
#198 of 1,523
Competitive structure
Insured Institutions
37
#48 of 1,523
Branches per 100k Pop.
30.2
#469 of 1,523
Median Deposits per Institution
$203M
The median deposits booked by a single institution in the county. #347 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
28.7%
of county deposits held by banks with $100M to $100B in assets. #1,339 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
37%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2021 to 2026)-17.0% over 5 years
$23.1B
2021
$22.8B
2022
$19.7B
2023
$20.0B
2024
$18.8B
2025
$19.2B
2026

Branches: 135 in 2021 to 126 in 2026. Institutions: 32 to 37. Top-three share: 38% to 37%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Fifth Third Bank$2.7B14.0%17-15%
Bank of America$2.5B13.1%13-14%
Wells Fargo Bank$2.0B10.2%11-18%
JPMorgan Chase Bank$1.8B9.5%14+12%
Sunflower Bank$1.3B7.0%6-29%
First Horizon Bank$1.3B6.9%7-36%
Truist Bank$778M4.1%8-18%
KeyBank$770M4.0%1-72%
EverBank$628M3.3%1-4%
Commerce Bank$616M3.2%4+9%
BMO Bank$587M3.1%3+51%
Pinnacle Bank$564M2.9%3-22%
Regions Bank$462M2.4%5-15%
The Northern Trust Company$427M2.2%2-8%
PNC Bank$407M2.1%4+14%
TD Bank$321M1.7%3+59%
Third Federal Savings and Loan Association of Cleveland$248M1.3%1+57%
American Momentum Bank$244M1.3%1+39%
Cogent Bank$203M1.1%1no 2021 presence
First-Citizens Bank & Trust Company$182M0.9%3-15%
Lake Forest Bank & Trust Company$141M0.7%1+77%
The Huntington National Bank$133M0.7%1+170%
BankUnited$119M0.6%1-38%
Valley National Bank$114M0.6%1-5%
Flagstar Bank$110M0.6%1+33%
Centennial Bank$107M0.6%2-56%
United Community Bank$87M0.5%1no 2021 presence
Seacoast National Bank$65M0.3%1no 2021 presence
U.S. Bank$50M0.3%1+155%
Nicolet National Bank$49M0.3%1-47%
First Bank$48M0.2%1+9%
The Central Trust Bank$33M0.2%1no 2021 presence
Citizens Bank$25M0.1%1no 2021 presence
Natbank$23M0.1%1no 2021 presence
Wilmington Trust$0M0.0%1no 2021 presence
Manufacturers and Traders Trust Company$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence

The 37 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Cape Coral-Fort Myers-Naples market

Collier County is one of 4 counties that make up the Cape Coral-Fort Myers-Naples, FL market, a Combined Statistical Area (ranked #54 of 293 U.S. markets by economic output). It produces 38.9% of the market’s output and holds 46.7% of its deposits.

MeasureCollier CountyShare of parent market
2024 GDP$27.8B38.9%
Deposits$19.2B46.7%
Population417,13130.8%

View the full Cape Coral-Fort Myers-Naples market profile →

Recruiting in Collier County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Collier County.

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