Jefferson County, Alabama, a core county of the Birmingham-Cullman-Talladega, AL market, holds $44.1B in deposits across 40 insured institutions and 181 branches. Regions Bank is the largest deposit holder at 32.8% share. The top three institutions hold 56.2% of deposits, which places the county in the moderately concentrated band. Deposits have fallen 3.4% since 2020 while the branch count fell by 14. It produces $51.2B of output, ranking #89 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 195 in 2020 to 181 in 2025. Institutions: 38 to 40. Top-three share: 69.7% to 56.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Regions Bank | $14.4B | 32.8% | 0% |
| PNC Bank, National Association | $5.8B | 13.2% | -59% |
| ServisFirst Bank | $4.5B | 10.2% | +16% |
| Wells Fargo Bank, National Association | $3.3B | 7.4% | -18% |
| Synovus Bank | $3.0B | 6.9% | +52% |
| Truist Bank | $3.0B | 6.8% | +185% |
| Oakworth Capital Bank | $1.2B | 2.8% | +92% |
| Cadence Bank | $1.2B | 2.7% | -33% |
| First Horizon Bank | $1.2B | 2.7% | +18% |
| SouthPoint Bank | $991M | 2.2% | +174% |
The 10 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 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 77.6% of its deposits.
| Measure | Jefferson County | Share of Birmingham-Cullman-Talladega market |
|---|---|---|
| 2024 GDP | $51.2B | 64.8% |
| Deposits | $44.1B | 77.6% |
| 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, on a retained basis.
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