Market Intelligence

Birmingham-Cullman-Talladega, AL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Birmingham-Cullman-Talladega, AL

Birmingham-Cullman-Talladega, AL, a Combined Statistical Area, holds $57.5 billion in deposits across 53 insured institutions and 346 branches, and ranks #50 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 27.6% share. The top three banks hold 48% of deposits, which places the market in the Moderate band.

Economic scale
2024 Real GDP
$78.9B
#50 of 293
Population
1.38M
#46 of 293
GDP per Capita
$57,036
#111 of 293
Deposit market
Deposits (SOD, 6/30/26)
$57.5B
#43 of 293
Deposits per Capita
$41,550
#41 of 293
Deposits per Branch
$166M
#51 of 293
Competitive structure
Insured Institutions
53
#32 of 293
Branches per 100k Pop.
25.0
#137 of 293
Median Deposits per Institution
$247M
The median deposits booked by a single institution in the market. #116 of 293. 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
36.7%
of market deposits held by banks with $100M to $100B in assets. #232 of 293. 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
48%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Market Deposits (SOD, 2021 to 2026) -2.7% over 5 years
$59.1B
2021
$54.8B
2022
$51.7B
2023
$53.4B
2024
$56.8B
2025
$57.5B
2026

Branches: 363 in 2021 to 346 in 2026. Institutions: 57 to 53. Top-three share: 59% to 48%. Average deposits per branch: $166M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
Regions Bank$15.9B27.6%59+3%
PNC Bank$6.5B11.2%30-59%
ServisFirst Bank$5.0B8.7%3+3%
Pinnacle Bank$4.2B7.2%15+37%
Wells Fargo Bank$4.0B6.9%25-20%
Truist Bank$3.4B5.9%18+104%
The Huntington National Bank$2.2B3.8%15+3%
Oakworth Capital Bank$1.4B2.4%1+87%
SouthPoint Bank$1.1B2.0%10+30%
First Horizon Bank$1.1B1.9%7-9%
CommerceOne Bank$970M1.7%2+182%
Renasant Bank$830M1.4%8+85%
Metro Bank$795M1.4%7+22%
FirstBank$782M1.4%4+553%
Central State Bank$782M1.4%6+91%
First Bank of Alabama$709M1.2%6+28%
Bryant Bank$689M1.2%70%
Traditions Bank$620M1.1%4+61%
Peoples Bank of Alabama$612M1.1%14+24%
SouthState Bank$580M1.0%1+6%
The Hometown Bank of Alabama$564M1.0%5+26%
Valley National Bank$563M1.0%5+62%
River Bank & Trust$529M0.9%2+104%
First US Bank$426M0.7%5+45%
Pinnacle Bank$331M0.6%6+28%
Cullman Savings Bank$308M0.5%5+9%
Trustmark Bank$246M0.4%5+26%
Premier Bank of the South$244M0.4%5+23%
EvaBank$223M0.4%3+5%
First Financial Bank$207M0.4%7+10%
JPMorgan Chase Bank$193M0.3%8no 2021 presence
Millennial Bank$184M0.3%2+90%
Community Bank of Mississippi$164M0.3%2+336%
SmartBank$146M0.3%1no 2021 presence
United Community Bank$141M0.2%3-42%
Union State Bank$140M0.2%6-26%
First National Banker's Bank$112M0.2%1+5%
Bank of Walker County$88M0.2%2+14%
Citizens Bank & Trust$87M0.2%2+185%
Marion Community Bank$82M0.1%3+67%
Citizens Trust Bank$78M0.1%1-34%
CB&S Bank, Inc.$76M0.1%2+242%
First National Bank$49M0.1%1-17%
First National Bank of Pulaski$43M0.1%1no 2021 presence
Robertson Banking Company$42M0.1%2+96%
West Alabama Bank & Trust$41M0.1%2+116%
NobleBank & Trust$37M0.1%1+52%
Fifth Third Bank$36M0.1%2no 2021 presence
BankFirst Financial Services$31M0.1%1+25%
Woodforest National Bank$23M<0.1%10-14%
Liberty Bank$20M<0.1%1+67%
Peoples Independent Bank$18M<0.1%1+44%
BHM Bank$14M<0.1%1+9%

The 53 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Jefferson CountyAlabama$51.2B665,74264.8%77.7%
Shelby CountyAlabama$13.3B238,55216.9%8.0%
Talladega CountyAlabama$3.7B81,6034.7%2.0%
Cullman CountyAlabama$3.3B94,0094.2%4.5%
St. Clair CountyAlabama$2.4B98,2063.0%2.3%
Walker CountyAlabama$2.0B65,1402.5%2.2%
Chilton CountyAlabama$1.3B47,7081.6%1.1%
Blount CountyAlabama$1.2B60,1561.5%1.8%
Bibb CountyAlabama$476M22,2620.6%0.5%
Coosa CountyAlabama$189M10,1610.2%0.0%

Recruiting in the Birmingham-Cullman-Talladega market

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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 this one.

See how we help banks recruit commercial banking talent

Other markets in Alabama

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.