Birmingham-Cullman-Talladega, AL 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.
Deposit trend
Branches: 369 in 2020 to 345 in 2025. Institutions: 58 to 55. Top-three share: 62.7% to 49.1%. Deposits per branch: $165M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Regions Bank | 16.9B | 29.8% | +2% |
| PNC Bank | 6.4B | 11.2% | +603% |
| ServisFirst Bank | 4.6B | 8.1% | +16% |
| Wells Fargo Bank | 4.1B | 7.2% | -13% |
| Synovus Bank | 3.6B | 6.4% | +41% |
| Truist Bank | 3.3B | 5.8% | +138% |
| Cadence Bank | 1.8B | 3.1% | +413% |
| SouthPoint Bank | 1.4B | 2.5% | +245% |
| Oakworth Capital Bank | 1.2B | 2.1% | +92% |
| First Horizon Bank | 1.2B | 2.1% | new since 2020 |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Jefferson County | Alabama | $51,159M | 665,742 | 64.8% |
| Shelby County | Alabama | $13,301M | 238,552 | 16.9% |
| Talladega County | Alabama | $3,694M | 81,603 | 4.7% |
| Cullman County | Alabama | $3,289M | 94,009 | 4.2% |
| St. Clair County | Alabama | $2,402M | 98,206 | 3.0% |
| Walker County | Alabama | $1,964M | 65,140 | 2.5% |
| Chilton County | Alabama | $1,261M | 47,708 | 1.6% |
| Blount County | Alabama | $1,175M | 60,156 | 1.5% |
| Bibb County | Alabama | $476M | 22,262 | 0.6% |
| Coosa County | Alabama | $189M | 10,161 | 0.2% |
Recruiting in Birmingham
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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