Jackson County, Alabama, a core county of the Chattanooga-Cleveland-Dalton, TN-GA-AL market, holds $1.2B in deposits across 8 insured institutions and 19 branches. First Southern State Bank is the largest deposit holder at 28.1% share. The top three banks hold 76% of deposits, which places the county in the Concentrated band. Deposits have grown 10.6% since 2021 while the branch count fell by 5.0%. It produced $1.6B of real gross domestic product in 2024, ranking #1,008 of the 1,523 ranked counties by economic output.
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
Branches: 20 in 2021 to 19 in 2026. Institutions: 8 to 8. Top-three share: 75% to 76%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| First Southern State Bank | $334M | 28.1% | +38% |
| The Huntington National Bank | $288M | 24.2% | -12% |
| First Jackson Bank, Inc. | $285M | 24.0% | +20% |
| Regions Bank | $129M | 10.9% | +7% |
| Peoples Independent Bank | $68M | 5.7% | +8% |
| Citizens Bank & Trust | $33M | 2.8% | no 2021 presence |
| PNC Bank | $33M | 2.8% | -24% |
| CB&S Bank, Inc. | $19M | 1.6% | -2% |
The 8 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 Chattanooga-Cleveland-Dalton market
Jackson County is one of 14 counties that make up the Chattanooga-Cleveland-Dalton, TN-GA-AL market, a Combined Statistical Area (ranked #71 of 293 U.S. markets by economic output). It produces 3.1% of the market’s output and holds 4.6% of its deposits.
| Measure | Jackson County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.6B | 3.1% |
| Deposits | $1.2B | 4.6% |
| Population | 54,281 | 5.3% |
View the full Chattanooga-Cleveland-Dalton market profile →
Recruiting in Jackson 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 Jackson County.
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