Market Intelligence

Birmingham-Cullman-Talladega, AL

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Birmingham-Cullman-Talladega, AL

Birmingham-Cullman-Talladega, AL, a Combined Statistical Area, holds $56.8 billion in deposits across 55 insured institutions and 345 branches, ranking #50 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 29.8% share. The top three institutions hold 49.1% 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
Total Deposits
$56.8B
#43 of 293
Deposits per Capita
$41,054
#43 of 293
Deposits per Branch
$165M
#48 of 293
Competitive structure
Insured Institutions
55
#32 of 293
Branches per 100k Pop.
24.9
#139 of 293
Median Deposits per Institution
$257M
The median deposits booked by a single institution in the market. #109 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
31.3%
of market deposits held by banks with $100M to $50B in assets. #234 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 Deposit Share: moderate
49.1%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +1.1% over 5 years
$56.2B
2020
$59.1B
2021
$54.8B
2022
$51.7B
2023
$53.4B
2024
$56.8B
2025

Branches: 369 in 2020 to 345 in 2025. Institutions: 58 to 55. Top-three share: 62.7% to 49.1%. Deposits per branch: $165M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Regions Bank$16.9B29.8%61+2%
PNC Bank$6.4B11.2%29-57%
ServisFirst Bank$4.6B8.1%3+16%
Wells Fargo Bank$4.1B7.2%25-13%
Synovus Bank$3.6B6.4%13+41%
Truist Bank$3.3B5.8%18+138%
Cadence Bank$1.8B3.1%15-26%
SouthPoint Bank$1.4B2.5%10+245%
Oakworth Capital Bank$1.2B2.1%1+92%
First Horizon Bank$1.2B2.1%7+14%
Renasant Bank$879M1.5%8+127%
Metro Bank$798M1.4%7+42%
CommerceOne Bank$672M1.2%1+201%
First Bank of Alabama$671M1.2%6+58%
Bryant Bank$661M1.2%7+13%
Peoples Bank of Alabama$639M1.1%14+46%
Central State Bank$616M1.1%6+80%
Traditions Bank$598M1.1%4+81%
The Hometown Bank of Alabama$551M1.0%5+43%
Valley National Bank$547M1.0%6+67%
FirstBank$519M0.9%3no 2020 presence
Pinnacle Bank$485M0.9%2no 2020 presence
SouthState Bank$485M0.9%1-9%
River Bank & Trust$459M0.8%2+126%
First US Bank$407M0.7%5+104%
Pinnacle Bank$307M0.5%6+43%
Cullman Savings Bank$300M0.5%5+41%
Trustmark National Bank$257M0.5%5+64%
Premier Bank of the South$244M0.4%5+52%
EvaBank$212M0.4%3+1%
First Financial Bank$208M0.4%7+26%
United Community Bank$189M0.3%3no 2020 presence
Millennial Bank$167M0.3%2+96%
Union State Bank$147M0.3%6-9%
JPMorgan Chase Bank$139M0.2%6no 2020 presence
Community Bank of Mississippi$133M0.2%2+677%
Southern States Bank$121M0.2%2+21%
SmartBank$105M0.2%1no 2020 presence
First National Banker's Bank$89M0.2%1+43%
Bank of Walker County$88M0.2%2+26%
Marion Community Bank$77M0.1%3+106%
Citizens Trust Bank$77M0.1%1-20%
Citizens Bank & Trust$73M0.1%2+192%
First Community Bank of Cullman$73M0.1%1-29%
CB&S Bank, Inc.$55M0.1%2+85%
First National Bank$51M0.1%1-8%
Robertson Banking Company$51M0.1%2+186%
West Alabama Bank & Trust$35M0.1%2+136%
First National Bank of Pulaski$34M0.1%1no 2020 presence
NobleBank & Trust$34M0.1%1+91%
BankFirst Financial Services$26M0.0%1no 2020 presence
Woodforest National Bank$23M0.0%10+15%
Peoples Independent Bank$19M0.0%1+78%
Liberty Bank$17M0.0%1+35%
Alamerica Bank$15M0.0%1-4%

The 55 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 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%77.6%
Shelby CountyAlabama$13.3B238,55216.9%7.7%
Talladega CountyAlabama$3.7B81,6034.7%2.1%
Cullman CountyAlabama$3.3B94,0094.2%4.6%
St. Clair CountyAlabama$2.4B98,2063.0%2.4%
Walker CountyAlabama$2.0B65,1402.5%2.1%
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%0.2%

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.

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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.