Market Intelligence

Mobile-Daphne-Fairhope, AL

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Mobile-Daphne-Fairhope, AL

Mobile-Daphne-Fairhope, AL, a Combined Statistical Area, holds $16.8 billion in deposits across 32 insured institutions and 190 branches, ranking #91 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 27.3% share. The top three institutions hold 50.2% of deposits, which places the market in the moderate band. Deposits have grown 20.2% since 2020 while the branch count fell by 6.9%.

Economic scale
2024 Real GDP
$34.5B
#91 of 293
Population
679K
#87 of 293
GDP per Capita
$50,801
#176 of 293
Deposit market
Total Deposits
$16.8B
#87 of 293
Deposits per Capita
$24,727
#173 of 293
Deposits per Branch
$88M
#209 of 293
Competitive structure
Insured Institutions
32
#80 of 293
Branches per 100k Pop.
28.0
#97 of 293
Median Deposits per Institution
$189M
The median deposits booked by a single institution in the market. #168 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
40.4%
of market deposits held by banks with $100M to $50B in assets. #205 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
50.2%
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 +20.2% over 5 years
$14.0B
2020
$17.0B
2021
$17.6B
2022
$16.5B
2023
$16.4B
2024
$16.8B
2025

Branches: 204 in 2020 to 190 in 2025. Institutions: 32 to 32. Top-three share: 46.9% to 50.2%. Deposits per branch: $88M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
Regions Bank$4.6B27.3%33+22%
PNC Bank$2.1B12.2%22-25%
Hancock Whitney Bank$1.8B10.7%10+35%
Wells Fargo Bank$1.3B7.5%12-1%
First Horizon Bank$1.0B5.8%3+60%
ServisFirst Bank$0.8B4.6%3+73%
Renasant Bank$0.7B4.3%16+2,223%
Trustmark National Bank$0.7B3.9%10+11%
Centennial Bank$0.4B2.5%5-9%
United Bank$0.4B2.4%10+61%
Cadence Bank$352M2.1%6+69%
Truist Bank$332M2.0%6-21%
SouthState Bank$311M1.8%2+38%
Bryant Bank$294M1.8%4+92%
Community Bank of Mississippi$258M1.5%5+28%
BankPlus$200M1.2%3+472%
Century Bank$179M1.1%6+54%
River Bank & Trust$175M1.0%4+1,801%
Oakworth Capital Bank$171M1.0%1+154%
SmartBank$146M0.9%2+196%
Citizens' Bank, Inc.$143M0.9%3+31%
22nd State Bank$131M0.8%2+1,071%
Synovus Bank$109M0.6%2-7%
Merchants & Marine Bank$90M0.5%5+46%
Commonwealth National Bank$57M0.3%2+25%
United Community Bank$48M0.3%1no 2020 presence
The Citizens Bank$48M0.3%1+143%
Origin Bank$37M0.2%1no 2020 presence
First Cahawba Bank$32M0.2%1+94%
The First National Bank and Trust$23M0.1%1+107%
West Alabama Bank & Trust$18M0.1%1no 2020 presence
Woodforest National Bank$18M0.1%7+14%

The 32 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
Mobile CountyAlabama$24.3B411,65870.4%60.2%
Baldwin CountyAlabama$10.2B267,76129.6%39.8%

Recruiting in the Mobile-Daphne-Fairhope 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.