Market Intelligence

Orange County, FL

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

Orange County, Florida, a core county of the Orlando-Lakeland-Deltona, FL market, holds $44.6B in deposits across 39 insured institutions and 253 branches. Truist Bank is the largest deposit holder at 19.4% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 12.7% since 2020 while the branch count fell by 8.7%. It produces $125.7B of output, ranking #27 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$125.7B
#27 of 1,523
Population
1,528,002
#28 of 1,523
GDP per Capita
$82,274
#118 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$44.6B
#67 of 1,523
Deposits per Capita
$29,182
#421 of 1,523
Deposits per Branch
$176M
#124 of 1,523
Competitive structure
Insured Institutions
39
#45 of 1,523
Branches per 100k Pop.
16.6
#1,202 of 1,523
Median Deposits per Institution
$281M
The median deposits booked by a single institution in the county. #179 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
23.1%
of county deposits held by banks with $100M to $100B in assets. #1,416 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
51%
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)+12.7% over 5 years
$39.6B
2020
$47.4B
2021
$50.4B
2022
$47.4B
2023
$47.9B
2024
$44.6B
2025

Branches: 277 in 2020 to 253 in 2025. Institutions: 36 to 39. Top-three share: 60% to 51%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Truist Bank$8.6B19.4%31-15%
Bank of America$7.8B17.5%28+13%
JPMorgan Chase Bank$6.3B14.0%31+56%
Wells Fargo Bank$6.1B13.7%27-8%
Regions Bank$1.9B4.3%22+14%
Fifth Third Bank$1.7B3.8%21-5%
TD Bank$1.4B3.1%8+72%
One Florida Bank$1.1B2.4%3+187%
Cogent Bank$929M2.1%2+421%
Synovus Bank$880M2.0%4+31%
Seacoast National Bank$874M2.0%6+6%
First Horizon Bank$799M1.8%6-29%
Winter Park National Bank$714M1.6%1+79%
City National Bank of Florida$668M1.5%2+848%
Valley National Bank$660M1.5%5+42%
SouthState Bank$601M1.3%5-1%
PNC Bank$500M1.1%8+38%
Axiom Bank$495M1.1%4+105%
United Community Bank$394M0.9%3no 2020 presence
TrustCo Bank$281M0.6%15+15%
First Colony Bank of Florida$275M0.6%1+15%
Climate First Bank$267M0.6%1no 2020 presence
Sunrise Bank$253M0.6%1+232%
Banco do Brasil Americas$194M0.4%1+96%
Ameris Bank$165M0.4%2+193%
Commerce Bank & Trust$143M0.3%1+22%
Florida Capital Bank$110M0.2%1+80%
ServisFirst Bank$97M0.2%1no 2020 presence
Amerasia Bank$87M0.2%1+104%
Enterprise Bank & Trust$86M0.2%1no 2020 presence
Central Bank$63M0.1%1+99%
American Momentum Bank$52M0.1%1-14%
BankUnited$47M0.1%1-78%
Centennial Bank$30M0.1%2-34%
First-Citizens Bank & Trust Company$27M0.1%1+46%
Ocean Bank$24M0.1%1no 2020 presence
Helm Bank USA<$1M<0.1%1no 2020 presence
Woodforest National Bank$0M0.0%1no 2020 presence
BNY Mellon$0M0.0%1no 2020 presence

The 39 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 Orlando-Lakeland-Deltona market

Orange County is one of 8 counties that make up the Orlando-Lakeland-Deltona, FL market, a Combined Statistical Area (ranked #18 of 293 U.S. markets by economic output). It produces 50.5% of the market’s output and holds 42.6% of its deposits.

MeasureOrange CountyShare of parent market
2024 GDP$125.7B50.5%
Deposits$44.6B42.6%
Population1,528,00232.3%

View the full Orlando-Lakeland-Deltona market profile →

Recruiting in Orange 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 Orange County.

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