Market Intelligence

Lee County, AL

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

Lee County, Alabama, a core county of the Columbus-Auburn-Opelika, GA-AL market, holds $4.4B in deposits across 21 insured institutions and 40 branches. AuburnBank is the largest deposit holder at 19.6% share. The top three banks hold 40% of deposits, which places the county in the Fragmented band. Deposits have grown 18.6% since 2020 while the branch count fell by 7.0%. It produces $7.2B of output, ranking #462 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$7.2B
#462 of 1,523
Population
189,881
#372 of 1,523
GDP per Capita
$37,759
#972 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$4.4B
#376 of 1,523
Deposits per Capita
$23,287
#699 of 1,523
Deposits per Branch
$111M
#463 of 1,523
Competitive structure
Insured Institutions
21
#197 of 1,523
Branches per 100k Pop.
21.1
#928 of 1,523
Median Deposits per Institution
$134M
The median deposits booked by a single institution in the county. #614 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
71.3%
of county deposits held by banks with $100M to $100B in assets. #778 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: Fragmented
40%
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, 2020 to 2025)+18.6% over 5 years
$3.7B
2020
$4.3B
2021
$4.4B
2022
$4.5B
2023
$4.2B
2024
$4.4B
2025

Branches: 43 in 2020 to 40 in 2025. Institutions: 19 to 21. Top-three share: 44% to 40%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
AuburnBank$868M19.6%5+13%
SouthState Bank$494M11.2%3+30%
Regions Bank$389M8.8%2+49%
Southern States Bank$378M8.6%2+58%
River Bank & Trust$372M8.4%3+83%
PNC Bank$347M7.8%4-48%
Wells Fargo Bank$300M6.8%3+14%
Cadence Bank$282M6.4%2+36%
SmartBank$235M5.3%1no 2020 presence
Truist Bank$163M3.7%2-32%
Metro City Bank$134M3.0%1+74%
Renasant Bank$101M2.3%1-48%
Trustmark National Bank$75M1.7%2-29%
JPMorgan Chase Bank$71M1.6%1+194%
Valley National Bank$50M1.1%1-29%
MidSouth Bank$41M0.9%1+216%
Troy Bank & Trust Company$36M0.8%2+185%
CB&S Bank, Inc.$35M0.8%1no 2020 presence
AmeriFirst Bank$32M0.7%1+1,022%
ServisFirst Bank$11M0.2%1no 2020 presence
Phenix-Girard Bank$10M0.2%1+53%

The 21 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “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 Columbus-Auburn-Opelika market

Lee County is one of 10 counties that make up the Columbus-Auburn-Opelika, GA-AL market, a Combined Statistical Area (ranked #115 of 293 U.S. markets by economic output). It produces 29.0% of the market’s output and holds 28.9% of its deposits.

MeasureLee CountyShare of parent market
2024 GDP$7.2B29.0%
Deposits$4.4B28.9%
Population189,88133.1%

View the full Columbus-Auburn-Opelika market profile →

Recruiting in Lee County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Lee County.

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