St. Johns County, Florida, a core county of the Jacksonville-Kingsland-Palatka, FL-GA market, holds $7.5B in deposits across 18 insured institutions and 61 branches. Bank of America is the largest deposit holder at 23.5% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have grown 26.0% since 2021 while the branch count rose by 13.0%. It produced $14.4B of real gross domestic product in 2024, ranking #278 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: 54 in 2021 to 61 in 2026. Institutions: 17 to 18. Top-three share: 57% to 52%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of America | $1.8B | 23.5% | +7% |
| Wells Fargo Bank | $1.2B | 16.3% | +7% |
| JPMorgan Chase Bank | $902M | 12.0% | +77% |
| Ameris Bank | $692M | 9.2% | +16% |
| Truist Bank | $585M | 7.8% | +6% |
| Fifth Third Bank | $475M | 6.3% | +655% |
| SouthState Bank | $396M | 5.3% | -7% |
| Barwick Banking Company | $268M | 3.6% | no 2021 presence |
| Regions Bank | $236M | 3.1% | +50% |
| PNC Bank | $226M | 3.0% | -27% |
| United Community Bank | $186M | 2.5% | +129% |
| TD Bank | $166M | 2.2% | +27% |
| First-Citizens Bank & Trust Company | $139M | 1.8% | +19% |
| Valley National Bank | $124M | 1.6% | +48% |
| Capital City Bank | $49M | 0.6% | +24% |
| Central Bank | $47M | 0.6% | +47% |
| First Horizon Bank | $30M | 0.4% | -51% |
| Pinnacle Bank | $4M | <0.1% | no 2021 presence |
The 18 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 Jacksonville-Kingsland-Palatka market
St. Johns County is one of 7 counties that make up the Jacksonville-Kingsland-Palatka, FL-GA market, a Combined Statistical Area (ranked #38 of 293 U.S. markets by economic output). It produces 12.6% of the market’s output and holds 6.1% of its deposits.
| Measure | St. Johns County | Share of parent market |
|---|---|---|
| 2024 GDP | $14.4B | 12.6% |
| Deposits | $7.5B | 6.1% |
| Population | 346,328 | 18.0% |
View the full Jacksonville-Kingsland-Palatka market profile →
Recruiting in St. Johns 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 St. Johns County.
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