Market Intelligence

Orange County, VA

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

Orange County, Virginia, a core county of the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA market, holds $580M in deposits across 5 insured institutions and 8 branches. Atlantic Union Bank is the largest deposit holder at 34.4% share. The top three institutions hold 80.9% of deposits, which places the county in the concentrated band. Deposits have grown 3.9% since 2020 while the branch count fell by 1. It produces $1.2B of output, ranking #1,133 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$1.2B
#1,133 of 1,523
Population
40,083
#1,030 of 1,523
GDP per Capita
$30,399
#1,212 of 1,523
Deposit market
Total Deposits
$580M
#1,162 of 1,523
Deposits per Capita
$14,463
#1,221 of 1,523
Deposits per Branch
$72M
#1,036 of 1,523
Competitive structure
Insured Institutions
5
#1,205 of 1,523
Branches per 100k Pop.
20.0
#1,012 of 1,523
Median Deposits per Institution
$108M
The median deposits booked by a single institution in the county. #833 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
53.5%
of county deposits held by banks with $100M to $50B in assets. #933 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: concentrated
80.9%
The combined deposit share of the three largest institutions 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

Total county deposits (nominal), 2020 to 2025+3.9% over 5 years
$558M
2020
$517M
2021
$560M
2022
$558M
2023
$547M
2024
$580M
2025

Branches: 9 in 2020 to 8 in 2025. Institutions: 6 to 5. Top-three share: 72.5% to 80.9%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Atlantic Union Bank$199M34.4%2+41%
Wells Fargo Bank$162M28.0%2+14%
Truist Bank$108M18.6%1+22%
Blue Ridge Bank$104M18.0%2+69%
Woodforest National Bank$6M1.1%1+75%

The 5 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 organic growth; “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 Washington-Baltimore-Arlington market

Orange County is one of 42 counties that make up the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA market, a Combined Statistical Area (ranked #4 of 293 U.S. markets by economic output). It produces 0.1% of the market’s output and holds 0.1% of its deposits.

MeasureOrange CountyShare of parent market
2024 GDP$1.2B0.1%
Deposits$580M0.1%
Population40,0830.4%

View the full Washington-Baltimore-Arlington market profile →

Recruiting in Orange County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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, on a retained basis.

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