Market Intelligence

Huntsville-Decatur-Albertville, AL-TN

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Huntsville-Decatur-Albertville, AL-TN

Huntsville-Decatur-Albertville, AL-TN, a Combined Statistical Area, holds $20.3 billion in deposits across 51 insured institutions and 218 branches, ranking #70 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 20.0% share. The top three institutions hold 31.8% of deposits, which places the market in the fragmented band. Deposits have grown 20.3% since 2020 while the branch count fell by 4.8%.

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
Total Deposits
$20.3B
#77 of 293
Deposits per Capita
$21,799
#214 of 293
Deposits per Branch
$93M
#190 of 293
Competitive structure
Insured Institutions
51
#36 of 293
Branches per 100k Pop.
23.4
#156 of 293
Median Deposits per Institution
$155M
The median deposits booked by a single institution in the market. #207 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
49.3%
of market deposits held by banks with $100M to $50B in assets. #172 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: fragmented
31.8%
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 +20.3% over 5 years
$16.9B
2020
$18.7B
2021
$19.4B
2022
$18.6B
2023
$19.1B
2024
$20.3B
2025

Branches: 229 in 2020 to 218 in 2025. Institutions: 44 to 51. Top-three share: 38.3% to 31.8%. Deposits per branch: $93M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Regions Bank$4.1B20.0%27+9%
ServisFirst Bank$1.3B6.3%2+20%
Wells Fargo Bank$1.1B5.5%7+18%
Bank Independent$1.1B5.4%15+86%
PNC Bank$1.1B5.2%13-50%
Cadence Bank$1.0B5.1%13+8%
Synovus Bank$1.0B4.9%4+9%
Citizens Bank & Trust$0.9B4.3%6+64%
Renasant Bank$0.8B4.1%6+63%
SouthState Bank$0.7B3.5%2+66%
First National Bank of Pulaski$673M3.3%6+65%
Pinnacle Bank$525M2.6%2no 2020 presence
United Community Bank$524M2.6%4no 2020 presence
Peoples Bank of Alabama$515M2.5%11+49%
Merit Bank$384M1.9%1+268%
CB&S Bank, Inc.$374M1.8%9+62%
Truist Bank$373M1.8%6+3%
Trustmark National Bank$340M1.7%5+90%
First Southern State Bank$326M1.6%5+29%
Peoples Independent Bank$305M1.5%6+42%
Bryant Bank$300M1.5%3+51%
First State Bank of DeKalb County$289M1.4%5+46%
First Horizon Bank$241M1.2%3-32%
First Bank of Boaz$206M1.0%1+7%
Bank of Lincoln County$193M0.9%3+31%
North Alabama Bank$155M0.8%4+39%
Liberty Bank$149M0.7%5+39%
First Fidelity Bank$143M0.7%3+44%
River Bank & Trust$142M0.7%2no 2020 presence
FirstBank$136M0.7%30%
EvaBank$114M0.6%4+45%
SouthPoint Bank$106M0.5%1no 2020 presence
Southern States Bank$88M0.4%1+76%
First Commerce Bank$86M0.4%1+29%
Traditions Bank$85M0.4%1+81%
Premier Bank of the South$69M0.3%3+94%
Nova Bank$61M0.3%1no 2020 presence
SmartBank$58M0.3%1+241%
Bank of Frankewing$54M0.3%1no 2020 presence
U.S. Bank$54M0.3%1+13%
JPMorgan Chase Bank$48M0.2%3no 2020 presence
First Jackson Bank, Inc.$40M0.2%1+73%
First Metro Bank$28M0.1%2-2%
The Southern Bank Company$17M0.1%2+6%
Local Bank$17M0.1%1no 2020 presence
Woodforest National Bank$15M0.1%6-5%
BankPlus$12M0.1%1no 2020 presence
First State Bank of the South, Inc.$11M0.1%1+431%
Bank47$8M0.0%1no 2020 presence
First Southern Bank$7M0.0%2no 2020 presence
Tower Community Bank$3M0.0%1no 2020 presence

The 51 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
Madison CountyAlabama$32.2B433,51661.1%53.3%
Morgan CountyAlabama$6.6B126,48312.5%14.0%
Limestone CountyAlabama$5.5B122,92810.4%6.8%
Marshall CountyAlabama$4.1B103,5377.7%13.9%
DeKalb CountyAlabama$2.4B74,0854.5%5.9%
Lincoln CountyTennessee$1.3B36,8532.5%3.8%
Lawrence CountyAlabama$645M33,8431.2%2.1%

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.