Market Intelligence

Orange County, FL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Orange County, Florida, a core county of the Orlando-Lakeland-Deltona, FL market, holds $43.6B in deposits across 40 insured institutions and 256 branches. Truist Bank is the largest deposit holder at 19.8% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have fallen 7.9% since 2021 while the branch count fell by 6.2%. It produced $125.7B of real gross domestic product in 2024, 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, 6/30/26)
$43.6B
#69 of 1,523
Deposits per Capita
$28,560
#471 of 1,523
Deposits per Branch
$170M
#148 of 1,523
Competitive structure
Insured Institutions
40
#39 of 1,523
Branches per 100k Pop.
16.8
#1,201 of 1,523
Median Deposits per Institution
$260M
The median deposits booked by a single institution in the county. #211 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
20.4%
of county deposits held by banks with $100M to $100B in assets. #1,422 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
52%
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)-7.9% over 5 years
$47.4B
2021
$50.4B
2022
$47.4B
2023
$47.9B
2024
$44.6B
2025
$43.6B
2026

Branches: 273 in 2021 to 256 in 2026. Institutions: 35 to 40. Top-three share: 61% to 52%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Truist Bank$8.7B19.8%31-33%
Bank of America$7.6B17.5%27-6%
JPMorgan Chase Bank$6.3B14.4%32+27%
Wells Fargo Bank$6.1B14.1%27-21%
Regions Bank$2.0B4.7%22+6%
Fifth Third Bank$1.5B3.4%22-29%
One Florida Bank$1.1B2.6%3+84%
Pinnacle Bank$1.1B2.5%4+55%
Cogent Bank$913M2.1%2+211%
TD Bank$895M2.0%80%
Seacoast National Bank$853M2.0%6-4%
First Horizon Bank$762M1.7%6-44%
Valley National Bank$744M1.7%5+31%
City National Bank of Florida$733M1.7%3+853%
SouthState Bank$608M1.4%5-1%
PNC Bank$503M1.2%9+24%
Axiom Bank$449M1.0%4+60%
United Community Bank$353M0.8%3-54%
TrustCo Bank$282M0.6%14+5%
First Colony Bank of Florida$262M0.6%1+10%
Sunrise Bank$258M0.6%1+69%
Climate First Bank$241M0.6%1no 2021 presence
Banco do Brasil Americas$199M0.5%1+72%
Commerce Bank & Trust$169M0.4%1+29%
Ameris Bank$166M0.4%2+37%
Florida Capital Bank$122M0.3%1+40%
Enterprise Bank & Trust$121M0.3%1no 2021 presence
ServisFirst Bank$108M0.2%1no 2021 presence
BankUnited$94M0.2%1-59%
Amerasia Bank$89M0.2%1+80%
Central Bank$79M0.2%1+95%
Centennial Bank$56M0.1%2+3%
American Momentum Bank$42M0.1%1+282%
First-Citizens Bank & Trust Company$24M0.1%1+15%
Cypress Bank & Trust$21M<0.1%1no 2021 presence
Ocean Bank$20M<0.1%1no 2021 presence
Bank OZK$13M<0.1%1no 2021 presence
Helm Bank USA$3M<0.1%1no 2021 presence
Portrait Bank$1M<0.1%1no 2021 presence
Woodforest National Bank$1M<0.1%1no 2021 presence

The 40 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 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 41.4% of its deposits.

MeasureOrange CountyShare of parent market
2024 GDP$125.7B50.5%
Deposits$43.6B41.4%
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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