Market Intelligence › Birmingham-Cullman-Talladega, AL › Jefferson County

Jefferson County, Alabama, a core county of the Birmingham-Cullman-Talladega, AL market, holds $44.6B in deposits across 39 insured institutions and 183 branches. Regions Bank is the largest deposit holder at 30.0% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have fallen 5.8% since 2021 while the branch count fell by 4.2%. It produced $51.2B of real gross domestic product in 2024, ranking #89 of the 1,523 ranked counties by economic output.

Economic scale

2024 Real GDP

$51.2B

#89 of 1,523

Population

665,742

#108 of 1,523

GDP per Capita

$76,845

#152 of 1,523

Deposit market

Deposits (SOD, 6/30/26)

$44.6B

#68 of 1,523

Deposits per Capita

$67,052

#55 of 1,523

Deposits per Branch

$244M

#74 of 1,523

Competitive structure

Insured Institutions

#41 of 1,523

Branches per 100k Pop.

27.5

#585 of 1,523

Median Deposits per Institution

$164M

The median deposits booked by a single institution in the county. #468 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

30.6%

of county deposits held by banks with $100M to $100B in assets. #1,313 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: Moderate

54%

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, 2021 to 2026)-5.8% over 5 years

$47.4B

2021

$42.4B

2022

$39.9B

2023

$41.3B

2024

$44.1B

2025

$44.6B

2026

Branches: 191 in 2021 to 183 in 2026. Institutions: 39 to 39. Top-three share: 67% to 54%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
Regions Bank	$13.4B	30.0%	39	+3%
PNC Bank	$5.9B	13.1%	19	-60%
ServisFirst Bank	$4.9B	11.0%	2	+3%
Pinnacle Bank	$3.6B	8.0%	10	+47%
Wells Fargo Bank	$3.2B	7.1%	19	-24%
Truist Bank	$3.1B	6.8%	9	+121%
The Huntington National Bank	$1.8B	3.9%	9	+17%
Oakworth Capital Bank	$1.4B	3.1%	1	+87%
First Horizon Bank	$1.1B	2.5%	7	-5%
CommerceOne Bank	$970M	2.2%	2	+182%
SouthPoint Bank	$715M	1.6%	5	+51%
FirstBank	$667M	1.5%	2	+945%
SouthState Bank	$580M	1.3%	1	+6%
Bryant Bank	$481M	1.1%	5	-4%
Renasant Bank	$477M	1.1%	2	+646%
Valley National Bank	$360M	0.8%	2	+154%
River Bank & Trust	$213M	0.5%	1	no 2021 presence
Peoples Bank of Alabama	$195M	0.4%	4	+56%
First US Bank	$165M	0.4%	1	+126%
Community Bank of Mississippi	$164M	0.4%	2	+336%
JPMorgan Chase Bank	$156M	0.3%	7	no 2021 presence
SmartBank	$146M	0.3%	1	no 2021 presence
Trustmark Bank	$136M	0.3%	3	+131%
Millennial Bank	$134M	0.3%	1	+38%
First Financial Bank	$133M	0.3%	3	+10%
United Community Bank	$129M	0.3%	2	-47%
First National Banker's Bank	$112M	0.3%	1	+5%
The Hometown Bank of Alabama	$109M	0.2%	1	+36%
Citizens Trust Bank	$78M	0.2%	1	-34%
EvaBank	$56M	0.1%	1	+19%
CB&S Bank, Inc.	$49M	0.1%	1	+734%
Union State Bank	$44M	0.1%	2	-41%
Robertson Banking Company	$42M	0.1%	2	+96%
Pinnacle Bank	$37M	0.1%	3	-37%
NobleBank & Trust	$37M	0.1%	1	+52%
Fifth Third Bank	$36M	0.1%	2	no 2021 presence
West Alabama Bank & Trust	$24M	0.1%	1	+331%
Woodforest National Bank	$16M	<0.1%	7	-13%
BHM Bank	$14M	<0.1%	1	+9%

The 39 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 Birmingham-Cullman-Talladega market

Jefferson County is one of 10 counties that make up the Birmingham-Cullman-Talladega, AL market, a Combined Statistical Area (ranked #50 of 293 U.S. markets by economic output). It produces 64.8% of the market’s output and holds 77.7% of its deposits.

Measure	Jefferson County	Share of parent market
2024 GDP	$51.2B	64.8%
Deposits	$44.6B	77.7%
Population	665,742	48.1%

View the full Birmingham-Cullman-Talladega market profile →

Recruiting in Jefferson 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 Jefferson County.

See how we help banks recruit commercial banking talent

Deposit trend

Institutions by deposits

Part of the Birmingham-Cullman-Talladega market

Recruiting in Jefferson County

Other counties in the Birmingham-Cullman-Talladega market