Market Intelligence

Harrison County, MS

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

Harrison County, Mississippi, a core county of the Gulfport-Biloxi, MS market, holds $4.9B in deposits across 11 insured institutions and 55 branches. Hancock Whitney Bank is the largest deposit holder at 45.5% share. The top three institutions hold 75.2% of deposits, which places the county in the concentrated band. Deposits have grown 17.6% since 2020 while the branch count fell by 9. It produces $9.9B of output, ranking #362 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$9.9B
#362 of 1,523
Population
217,136
#331 of 1,523
GDP per Capita
$45,783
#710 of 1,523
Deposit market
Total Deposits
$4.9B
#341 of 1,523
Deposits per Capita
$22,433
#743 of 1,523
Deposits per Branch
$89M
#757 of 1,523
Competitive structure
Insured Institutions
11
#593 of 1,523
Branches per 100k Pop.
25.3
#697 of 1,523
Median Deposits per Institution
$233M
The median deposits booked by a single institution in the county. #250 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
71.0%
of county deposits held by banks with $100M to $50B in assets. #661 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 Deposit Share: concentrated
75.2%
The combined deposit share of the three largest institutions 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

Total county deposits (nominal), 2020 to 2025+17.6% over 5 years
$4.1B
2020
$4.2B
2021
$4.6B
2022
$4.7B
2023
$4.7B
2024
$4.9B
2025

Branches: 64 in 2020 to 55 in 2025. Institutions: 11 to 11. Top-three share: 72.5% to 75.2%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Hancock Whitney Bank$2.2B45.5%11+2%
Cadence Bank$1.0B21.0%6+156%
The Peoples Bank, Biloxi, Mississippi$429M8.8%12-2%
Community Bank of Mississippi$384M7.9%5+30%
Renasant Bank$300M6.2%6no 2020 presence
Regions Bank$233M4.8%4+19%
Wells Fargo Bank$159M3.3%2-15%
Trustmark National Bank$59M1.2%2-2%
BankPlus$35M0.7%2no 2020 presence
The Citizens Bank of Philadelphia, Mississippi$26M0.5%2-51%

The 10 largest of 11 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 organic growth; “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 Gulfport-Biloxi market

Harrison County is one of 4 counties that make up the Gulfport-Biloxi, MS market, a Metropolitan Statistical Area (ranked #130 of 293 U.S. markets by economic output). It produces 47.3% of the market’s output and holds 57.5% of its deposits.

MeasureHarrison CountyShare of parent market
2024 GDP$9.9B47.3%
Deposits$4.9B57.5%
Population217,13650.3%

View the full Gulfport-Biloxi market profile →

Recruiting in Harrison 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 Harrison County, on a retained basis.

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