Seminole County, Florida, a core county of the Orlando-Lakeland-Deltona, FL market, holds $11.1B in deposits across 25 insured institutions and 92 branches. Bank of America is the largest deposit holder at 18.1% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have fallen 3.1% since 2021 while the branch count fell by 7.1%. It produced $27.4B of real gross domestic product in 2024, ranking #172 of the 1,523 ranked counties by economic output.
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
Branches: 99 in 2021 to 92 in 2026. Institutions: 24 to 25. Top-three share: 48% to 51%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of America | $2.0B | 18.1% | -14% |
| JPMorgan Chase Bank | $1.9B | 17.1% | +24% |
| Wells Fargo Bank | $1.7B | 15.3% | +16% |
| Truist Bank | $1.5B | 13.2% | -8% |
| Fifth Third Bank | $685M | 6.2% | +73% |
| One Florida Bank | $623M | 5.6% | +100% |
| Regions Bank | $526M | 4.8% | -23% |
| Seacoast National Bank | $515M | 4.7% | -1% |
| Pinnacle Bank | $255M | 2.3% | -21% |
| SouthState Bank | $225M | 2.0% | +2% |
| PNC Bank | $201M | 1.8% | -5% |
| TrustCo Bank | $179M | 1.6% | 0% |
| TD Bank | $163M | 1.5% | -19% |
| Ameris Bank | $134M | 1.2% | -4% |
| First Horizon Bank | $120M | 1.1% | -58% |
| BankUnited | $100M | 0.9% | -25% |
| Valley National Bank | $76M | 0.7% | -39% |
| United Community Bank | $48M | 0.4% | -15% |
| Mainstreet Community Bank of Florida | $45M | 0.4% | +387% |
| First-Citizens Bank & Trust Company | $43M | 0.4% | -43% |
| First National Banker's Bank | $39M | 0.4% | -72% |
| Centennial Bank | $21M | 0.2% | -58% |
| The Bank of New York Mellon Trust Company | $0M | 0.0% | no 2021 presence |
| Synchrony Bank | $0M | 0.0% | no 2021 presence |
| BNY Mellon | $0M | 0.0% | no 2021 presence |
The 25 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
Seminole 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 11.0% of the market’s output and holds 10.5% of its deposits.
| Measure | Seminole County | Share of parent market |
|---|---|---|
| 2024 GDP | $27.4B | 11.0% |
| Deposits | $11.1B | 10.5% |
| Population | 491,884 | 10.4% |
View the full Orlando-Lakeland-Deltona market profile →
Recruiting in Seminole 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 Seminole County.
See how we help banks recruit commercial banking talent