Market Intelligence

Orange County, VA

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

Orange County, Virginia, a core county of the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA market, holds $593M in deposits across 4 insured institutions and 7 branches. Atlantic Union Bank is the largest deposit holder at 35.7% share. The top three banks hold 83% of deposits, which places the county in the Concentrated band. Deposits have grown 14.8% since 2021 while the branch count fell by 12.5%. It produced $1.2B of real gross domestic product in 2024, ranking #1,133 of the 1,523 ranked counties 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
Deposits (SOD, 6/30/26)
$593M
#1,157 of 1,523
Deposits per Capita
$14,792
#1,218 of 1,523
Deposits per Branch
$85M
#866 of 1,523
Competitive structure
Insured Institutions
4
#1,292 of 1,523
Branches per 100k Pop.
17.5
#1,163 of 1,523
Median Deposits per Institution
$139M
The median deposits booked by a single institution in the county. #611 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
53.2%
of county deposits held by banks with $100M to $100B in assets. #1,018 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: Concentrated
83%
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)+14.8% over 5 years
$517M
2021
$560M
2022
$558M
2023
$547M
2024
$574M
2025
$593M
2026

Branches: 8 in 2021 to 7 in 2026. Institutions: 5 to 4. Top-three share: 83% to 83%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Atlantic Union Bank$212M35.7%2+26%
Wells Fargo Bank$167M28.2%2+1%
Truist Bank$111M18.7%1+34%
Blue Ridge Bank$104M17.5%2+8%

The 4 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 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$593M0.1%
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.

See how we help banks recruit commercial banking talent