Market Intelligence

Collier County, FL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Collier County, Florida, a core county of the Cape Coral-Fort Myers-Naples, FL market, holds $18.8B in deposits across 38 insured institutions and 126 branches. Fifth Third Bank, National Association is the largest deposit holder at 15.1% share. The top three banks hold 39% of deposits, which places the county in the Fragmented band. Deposits have fallen 6.5% since 2020 while the branch count fell by 10.0%. It produces $27.8B of output, 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, 6/30/25)
$18.8B
#123 of 1,523
Deposits per Capita
$45,090
#128 of 1,523
Deposits per Branch
$149M
#203 of 1,523
Competitive structure
Insured Institutions
38
#47 of 1,523
Branches per 100k Pop.
30.2
#473 of 1,523
Median Deposits per Institution
$167M
The median deposits booked by a single institution in the county. #443 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
29.4%
of county deposits held by banks with $100M to $100B in assets. #1,355 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
39%
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, 2020 to 2025)-6.5% over 5 years
$20.1B
2020
$23.1B
2021
$22.8B
2022
$19.7B
2023
$20.0B
2024
$18.8B
2025

Branches: 140 in 2020 to 126 in 2025. Institutions: 33 to 38. Top-three share: 39% to 39%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Fifth Third Bank$2.8B15.1%16+17%
Bank of America$2.6B13.9%13+10%
Wells Fargo Bank$1.8B9.7%11-16%
JPMorgan Chase Bank$1.8B9.4%13+43%
First Horizon Bank$1.5B7.8%7-3%
KeyBank$1.1B5.7%1-64%
Truist Bank$767M4.1%8-2%
First Foundation Bank$681M3.6%6no 2020 presence
FineMark National Bank & Trust$674M3.6%4+61%
EverBank$605M3.2%1-14%
Synovus Bank$569M3.0%3-26%
BMO Bank$495M2.6%3+34%
The Northern Trust Company$453M2.4%2-5%
Regions Bank$435M2.3%5-2%
PNC Bank$391M2.1%4+23%
TD Bank$344M1.8%4+118%
American Momentum Bank$251M1.3%1+38%
Third Federal Savings and Loan Association of Cleveland$244M1.3%1+54%
Cogent Bank$169M0.9%1no 2020 presence
First-Citizens Bank & Trust Company$165M0.9%3-20%
Lake Forest Bank & Trust Company$143M0.8%1+86%
BankUnited$137M0.7%1-47%
Centennial Bank$130M0.7%2-32%
Flagstar Bank$115M0.6%1+43%
Valley National Bank$101M0.5%1-14%
Seacoast National Bank$65M0.3%1no 2020 presence
The Huntington National Bank$58M0.3%1-15%
United Community Bank$55M0.3%1no 2020 presence
First Bank$53M0.3%1+65%
The Central Trust Bank$46M0.2%1no 2020 presence
U.S. Bank$46M0.2%1+160%
Natbank$18M0.1%1no 2020 presence
Citizens Bank$11M0.1%1no 2020 presence
Nicolet National Bank$5M<0.1%1no 2020 presence
Commerce Bank$1M<0.1%1no 2020 presence
Wilmington Trust$0M0.0%1no 2020 presence
Manufacturers and Traders Trust Company$0M0.0%1no 2020 presence
BNY Mellon$0M0.0%1no 2020 presence

The 38 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 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 45.0% of its deposits.

MeasureCollier CountyShare of parent market
2024 GDP$27.8B38.9%
Deposits$18.8B45.0%
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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