Market Intelligence

Huntsville-Decatur-Albertville, AL-TN

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Huntsville-Decatur-Albertville, AL-TN

Huntsville-Decatur-Albertville, AL-TN, a Combined Statistical Area, holds $20.5 billion in deposits across 50 insured institutions and 225 branches, and ranks #70 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 20.0% share. The top three banks hold 33% of deposits, which places the market in the Fragmented band. Deposits have grown 9.9% since 2021 while the branch count rose by 0.4%.

Economic scale
2024 Real GDP
$52.8B
#70 of 293
Population
931K
#72 of 293
GDP per Capita
$56,689
#114 of 293
Deposit market
Deposits (SOD, 6/30/26)
$20.5B
#78 of 293
Deposits per Capita
$22,051
#214 of 293
Deposits per Branch
$91M
#208 of 293
Competitive structure
Insured Institutions
50
#37 of 293
Branches per 100k Pop.
24.2
#148 of 293
Median Deposits per Institution
$189M
The median deposits booked by a single institution in the market. #173 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
55.1%
of market deposits held by banks with $100M to $100B in assets. #173 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: Fragmented
33%
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) +9.9% over 5 years
$18.7B
2021
$19.4B
2022
$18.6B
2023
$19.1B
2024
$20.3B
2025
$20.5B
2026

Branches: 224 in 2021 to 225 in 2026. Institutions: 44 to 50. Top-three share: 37% to 33%. Average deposits per branch: $91M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
Regions Bank$4.1B20.0%27+6%
Pinnacle Bank$1.4B6.7%7+50%
ServisFirst Bank$1.3B6.3%2+14%
Bank Independent$1.2B6.0%15+79%
Wells Fargo Bank$1.1B5.4%7+9%
PNC Bank$1.1B5.1%13-57%
Citizens Bank & Trust$943M4.6%6+47%
The Huntington National Bank$857M4.2%13-31%
Renasant Bank$838M4.1%6+44%
First National Bank of Pulaski$688M3.3%6+43%
SouthState Bank$598M2.9%2+15%
Peoples Bank of Alabama$531M2.6%11+34%
United Community Bank$464M2.3%4-48%
Merit Bank$447M2.2%1+174%
CB&S Bank, Inc.$409M2.0%9+40%
Trustmark Bank$371M1.8%5+94%
Truist Bank$357M1.7%6-7%
First Southern State Bank$328M1.6%5+13%
Peoples Independent Bank$326M1.6%6+27%
First State Bank of DeKalb County$299M1.5%5+13%
Bryant Bank$281M1.4%3+5%
First Horizon Bank$279M1.4%3-12%
FirstBank$216M1.0%3-1%
First Bank of Boaz$208M1.0%1+4%
Bank of Lincoln County$198M1.0%3+20%
Liberty Bank$179M0.9%5+43%
River Bank & Trust$171M0.8%2no 2021 presence
North Alabama Bank$156M0.8%4+24%
First Bank of Alabama$133M0.6%3+12%
EvaBank$118M0.6%4+43%
SouthPoint Bank$117M0.6%1+327%
Traditions Bank$92M0.4%1+57%
SmartBank$86M0.4%1+344%
First Commerce Bank$85M0.4%1+35%
JPMorgan Chase Bank$83M0.4%4no 2021 presence
Fifth Third Bank$73M0.4%5no 2021 presence
Premier Bank of the South$68M0.3%3+42%
Nova Bank$66M0.3%1no 2021 presence
U.S. Bank$58M0.3%1+17%
First Jackson Bank, Inc.$41M0.2%1+11%
Bank47$35M0.2%1no 2021 presence
Bank of Frankewing$35M0.2%1+2,275%
First Metro Bank$27M0.1%2+22%
Solutions Plus Bank$21M0.1%2no 2021 presence
Local Bank$17M0.1%1no 2021 presence
Woodforest National Bank$15M0.1%6-20%
The Southern Bank Company$15M0.1%2-1%
First State Bank of the South, Inc.$12M0.1%1+248%
Story Bank DBA Story Financial Partners$10M<0.1%1no 2021 presence
First Southern Bank$7M<0.1%2no 2021 presence

The 50 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
Madison CountyAlabama$32.2B433,51661.1%53.4%
Morgan CountyAlabama$6.6B126,48312.5%14.1%
Limestone CountyAlabama$5.5B122,92810.4%7.0%
Marshall CountyAlabama$4.1B103,5377.7%13.7%
DeKalb CountyAlabama$2.4B74,0854.5%5.8%
Lincoln CountyTennessee$1.3B36,8532.5%3.9%
Lawrence CountyAlabama$645M33,8431.2%2.2%

Recruiting in the Huntsville-Decatur-Albertville market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 and Tennessee

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.