Market Intelligence

Volusia County, FL

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

Volusia County, Florida, a core county of the Orlando-Lakeland-Deltona, FL market, holds $12.3B in deposits across 20 insured institutions and 96 branches. Bank of America, National Association is the largest deposit holder at 17.2% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 15.3% since 2020 while the branch count fell by 19.3%. It produces $22.9B of output, ranking #198 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$22.9B
#198 of 1,523
Population
606,573
#115 of 1,523
GDP per Capita
$37,753
#973 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$12.3B
#174 of 1,523
Deposits per Capita
$20,357
#867 of 1,523
Deposits per Branch
$129M
#313 of 1,523
Competitive structure
Insured Institutions
20
#222 of 1,523
Branches per 100k Pop.
15.8
#1,244 of 1,523
Median Deposits per Institution
$321M
The median deposits booked by a single institution in the county. #144 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
19.1%
of county deposits held by banks with $100M to $100B in assets. #1,450 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: Moderate
51%
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, 2020 to 2025)+15.3% over 5 years
$10.7B
2020
$11.9B
2021
$12.8B
2022
$12.2B
2023
$12.2B
2024
$12.3B
2025

Branches: 119 in 2020 to 96 in 2025. Institutions: 19 to 20. Top-three share: 58% to 51%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Bank of America$2.1B17.2%10+9%
Truist Bank$2.1B17.1%15+4%
Wells Fargo Bank$2.1B16.8%13-6%
TD Bank$1.3B10.3%6+51%
JPMorgan Chase Bank$883M7.2%7+81%
PNC Bank$537M4.3%8+12%
Fifth Third Bank$522M4.2%5+56%
Mainstreet Community Bank of Florida$521M4.2%5+26%
Regions Bank$468M3.8%7+15%
Seacoast National Bank$347M2.8%3+22%
SouthState Bank$294M2.4%4-11%
Synovus Bank$219M1.8%2-36%
Surety Bank$183M1.5%2+34%
Barwick Banking Company$177M1.4%1no 2020 presence
Intracoastal Bank$167M1.4%1+39%
Ameris Bank$164M1.3%1+23%
Axiom Bank$111M0.9%1+47%
TrustCo Bank$75M0.6%3-8%
Cogent Bank$49M0.4%1-21%
Sunrise Bank$48M0.4%1no 2020 presence

The 20 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “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 Orlando-Lakeland-Deltona market

Volusia 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 9.2% of the market’s output and holds 11.8% of its deposits.

MeasureVolusia CountyShare of parent market
2024 GDP$22.9B9.2%
Deposits$12.3B11.8%
Population606,57312.8%

View the full Orlando-Lakeland-Deltona market profile →

Recruiting in Volusia 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 Volusia County.

See how we help banks recruit commercial banking talent