Market Intelligence

Lee County, AL

Banking market profile · FDIC Summary of Deposits, 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 institutions hold 39.6% of deposits, which places the county in the fragmented band. Deposits have grown 18.6% since 2020 while the branch count fell by 3. It produces $7.2B of output, ranking #462 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$7.2B
#462 of 1,523
Total Deposits
$4.4B
#376 of 1,523
Population
189,881
#372 of 1,523
GDP per Capita
$37,759
#972 of 1,523
Insured Institutions
21
#197 of 1,523
Deposits per Branch
$111M
#463 of 1,523
Deposits per Capita
$23,287
#699 of 1,523
Branches per 100k Pop.
21.1
#928 of 1,523
Median Institution Size
$134M
Median deposits of the institutions operating in the county. #614 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
52.6%
of market deposits held by banks with $100M to $50B in assets. #947 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: fragmented
39.6%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 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: 44.0% to 39.6%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
AuburnBank$868M19.6%5+13%
SouthState Bank, National Association$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, National Association$347M7.8%4-48%
Wells Fargo Bank, National Association$300M6.8%3+14%
Cadence Bank$282M6.4%2+36%
SmartBank$235M5.3%1no 2020 presence
Truist Bank$163M3.7%2-32%

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 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 Columbus-Auburn-Opelika 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, on a retained basis.

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