Market Intelligence

Walker County, AL

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

Walker County, Alabama, a county in the Birmingham-Cullman-Talladega, AL market, holds $1.2B in deposits across 9 insured institutions and 15 branches. Synovus Bank is the largest deposit holder at 39.6% share. The top three institutions hold 69.2% of deposits, which places the county in the concentrated band. Deposits have grown 10.7% since 2020 while the branch count fell by 3. It produces $2.0B of output, ranking #939 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$2.0B
#939 of 1,523
Total Deposits
$1.2B
#860 of 1,523
Population
65,140
#802 of 1,523
GDP per Capita
$30,146
#1,222 of 1,523
Insured Institutions
9
#821 of 1,523
Deposits per Branch
$79M
#916 of 1,523
Deposits per Capita
$18,235
#991 of 1,523
Branches per 100k Pop.
23.0
#823 of 1,523
Median Institution Size
$87M
Median deposits of the institutions operating in the county. #1,009 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
28.8%
of market deposits held by banks with $100M to $50B in assets. #1,264 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 Deposit Share: concentrated
69.2%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+10.7% over 5 years
$1.1B
2020
$1.2B
2021
$1.2B
2022
$1.1B
2023
$1.1B
2024
$1.2B
2025

Branches: 18 in 2020 to 15 in 2025. Institutions: 10 to 9. Top-three share: 69.3% to 69.2%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Synovus Bank$470M39.6%3-4%
Pinnacle Bank$264M22.2%3+67%
Wells Fargo Bank, National Association$88M7.4%1+40%
Bank of Walker County$88M7.4%2+26%
PNC Bank, National Association$87M7.3%2-8%
Regions Bank$80M6.7%1+40%
First National Bank$51M4.3%1-8%
Truist Bank$34M2.9%1-2%
BankFirst Financial Services$26M2.2%1no 2020 presence

The 9 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Birmingham-Cullman-Talladega market

Walker 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 2.5% of the market’s output and holds 2.1% of its deposits.

MeasureWalker CountyShare of Birmingham-Cullman-Talladega market
2024 GDP$2.0B2.5%
Deposits$1.2B2.1%
Population65,1404.7%

View the full Birmingham-Cullman-Talladega market profile →

Recruiting in Walker 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 Walker County, on a retained basis.

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