Flagler County, Florida, a core county of the Orlando-Lakeland-Deltona, FL market, holds $2.6B in deposits across 9 insured institutions and 17 branches. Wells Fargo Bank, National Association is the largest deposit holder at 20.2% share. The top three institutions hold 58.4% of deposits, which places the county in the moderately concentrated band. Deposits have grown 29.0% since 2020 while the branch count fell by 1. It produces $4.0B of output, ranking #680 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 18 in 2020 to 17 in 2025. Institutions: 8 to 9. Top-three share: 64.9% to 58.4%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank, National Association | $519M | 20.2% | +33% |
| Bank of America, National Association | $506M | 19.7% | +15% |
| Truist Bank | $475M | 18.5% | +3% |
| Intracoastal Bank | $340M | 13.2% | +27% |
| PNC Bank, National Association | $257M | 10.0% | +23% |
| JPMorgan Chase Bank, National Association | $225M | 8.8% | +150% |
| Ameris Bank | $137M | 5.3% | +65% |
| SouthState Bank, National Association | $89M | 3.5% | +80% |
| TrustCo Bank | $19M | 0.8% | no 2020 presence |
The 9 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 Orlando-Lakeland-Deltona market
Flagler County is one of 8 counties that make up the Orlando-Lakeland-Deltona, FL market, a Combined Statistical Area (ranked #18 of 293 U.S. markets by economic output). It produces 1.6% of the market’s output and holds 2.5% of its deposits.
| Measure | Flagler County | Share of Orlando-Lakeland-Deltona market |
|---|---|---|
| 2024 GDP | $4.0B | 1.6% |
| Deposits | $2.6B | 2.5% |
| Population | 140,360 | 3.0% |
View the full Orlando-Lakeland-Deltona market profile →
Recruiting in Flagler 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 Flagler County, on a retained basis.
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