Fluvanna County, Virginia, a county in the Charlottesville, VA market, holds $193M in deposits across 2 insured institutions and 2 branches. Truist Bank is the largest deposit holder at 53.4% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have grown 32.6% since 2020 while the branch count fell by 1. It produces $960M of output, ranking #1,205 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 3 in 2020 to 2 in 2025. Institutions: 2 to 2. Top-three share: 100.0% to 100.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Truist Bank | $103M | 53.4% | +31% |
| Atlantic Union Bank | $90M | 46.6% | +35% |
The 2 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 Charlottesville market
Fluvanna County is one of 5 counties that make up the Charlottesville, VA market, a Metropolitan Statistical Area (ranked #151 of 293 U.S. markets by economic output). It produces 6.0% of the market’s output and holds 3.2% of its deposits.
| Measure | Fluvanna County | Share of Charlottesville market |
|---|---|---|
| 2024 GDP | $960M | 6.0% |
| Deposits | $193M | 3.2% |
| Population | 28,975 | 12.7% |
View the full Charlottesville market profile →
Recruiting in Fluvanna County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Fluvanna County, on a retained basis.
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