Shelby County, Alabama, a core county of the Birmingham-Cullman-Talladega, AL market, holds $4.6B in deposits across 22 insured institutions and 50 branches. Regions Bank is the largest deposit holder at 33.8% share. The top three banks hold 63% of deposits, which places the county in the Concentrated band. Deposits have grown 4.1% since 2021 while the branch count fell by 5.7%. It produced $13.3B of real gross domestic product in 2024, ranking #294 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: 53 in 2021 to 50 in 2026. Institutions: 21 to 22. Top-three share: 58% to 63%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Regions Bank | $1.6B | 33.8% | 0% |
| Central State Bank | $782M | 17.0% | +91% |
| Wells Fargo Bank | $583M | 12.7% | -4% |
| PNC Bank | $282M | 6.1% | -30% |
| Renasant Bank | $281M | 6.1% | -9% |
| Bryant Bank | $208M | 4.5% | +10% |
| The Huntington National Bank | $119M | 2.6% | -60% |
| Pinnacle Bank | $112M | 2.4% | +26% |
| Valley National Bank | $101M | 2.2% | -8% |
| First US Bank | $101M | 2.2% | +27% |
| Truist Bank | $84M | 1.8% | +27% |
| Trustmark Bank | $76M | 1.7% | -6% |
| ServisFirst Bank | $61M | 1.3% | +1% |
| Millennial Bank | $50M | 1.1% | no 2021 presence |
| FirstBank | $50M | 1.1% | no 2021 presence |
| JPMorgan Chase Bank | $37M | 0.8% | no 2021 presence |
| SouthPoint Bank | $32M | 0.7% | -56% |
| Peoples Bank of Alabama | $31M | 0.7% | no 2021 presence |
| CB&S Bank, Inc. | $28M | 0.6% | +68% |
| First Financial Bank | $12M | 0.3% | -1% |
| United Community Bank | $12M | 0.3% | no 2021 presence |
| Woodforest National Bank | $2M | <0.1% | -41% |
The 22 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 Birmingham-Cullman-Talladega market
Shelby County is one of 10 counties that make up the Birmingham-Cullman-Talladega, AL market, a Combined Statistical Area (ranked #50 of 293 U.S. markets by economic output). It produces 16.9% of the market’s output and holds 8.0% of its deposits.
| Measure | Shelby County | Share of parent market |
|---|---|---|
| 2024 GDP | $13.3B | 16.9% |
| Deposits | $4.6B | 8.0% |
| Population | 238,552 | 17.2% |
View the full Birmingham-Cullman-Talladega market profile →
Recruiting in Shelby 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 Shelby County.
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