Market Intelligence › Orlando-Lakeland-Deltona, FL

Orlando-Lakeland-Deltona, FL, a Combined Statistical Area, holds $105.3 billion in deposits across 56 insured institutions and 695 branches, and ranks #18 of 293 U.S. markets by economic output. Truist Bank is the largest deposit holder at 16.9% share. The top three banks hold 46% of deposits, which places the market in the Moderate band.

Economic scale

2024 Real GDP

$249.0B

#18 of 293

Population

4.74M

#15 of 293

GDP per Capita

$52,570

#155 of 293

Deposit market

Deposits (SOD, 6/30/26)

$105.3B

#32 of 293

Deposits per Capita

$22,237

#210 of 293

Deposits per Branch

$152M

#66 of 293

Competitive structure

Insured Institutions

#30 of 293

Branches per 100k Pop.

14.7

#267 of 293

Median Deposits per Institution

$286M

The median deposits booked by a single institution in the market. #91 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

29.1%

of market deposits held by banks with $100M to $100B in assets. #262 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: Moderate

46%

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) +3.5% over 5 years

$101.8B

2021

$107.9B

2022

$104.1B

2023

$105.2B

2024

$104.8B

2025

$105.3B

2026

Branches: 744 in 2021 to 695 in 2026. Institutions: 49 to 56. Top-three share: 56% to 46%. Average deposits per branch: $152M.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
Truist Bank	$17.8B	16.9%	93	-26%
Bank of America	$16.5B	15.6%	66	-6%
Wells Fargo Bank	$14.0B	13.3%	77	-10%
JPMorgan Chase Bank	$12.3B	11.7%	71	+33%
SouthState Bank	$10.1B	9.5%	31	+126%
Seacoast National Bank	$5.1B	4.9%	31	+7%
Regions Bank	$3.8B	3.7%	46	-3%
Fifth Third Bank	$3.5B	3.3%	47	+13%
TD Bank	$3.0B	2.9%	23	+14%
PNC Bank	$2.1B	2.0%	31	+13%
One Florida Bank	$1.8B	1.7%	5	+89%
Pinnacle Bank	$1.5B	1.5%	8	+15%
Citizens Bank and Trust	$1.3B	1.2%	13	+40%
Bank of Central Florida	$1.0B	1.0%	3	+28%
Cogent Bank	$964M	0.9%	3	+168%
Valley National Bank	$889M	0.8%	7	+20%
First Horizon Bank	$882M	0.8%	9	-47%
Mainstreet Community Bank of Florida	$795M	0.8%	8	+25%
United Southern Bank	$769M	0.7%	14	+9%
TrustCo Bank	$757M	0.7%	38	+3%
City National Bank of Florida	$733M	0.7%	3	+853%
Ameris Bank	$648M	0.6%	5	+25%
Axiom Bank	$636M	0.6%	7	+33%
Intracoastal Bank	$519M	0.5%	2	+9%
United Community Bank	$494M	0.5%	5	-44%
Climate First Bank	$322M	0.3%	2	no 2021 presence
The First National Bank of Mount Dora	$318M	0.3%	3	-1%
Sunrise Bank	$310M	0.3%	2	+103%
First Colony Bank of Florida	$262M	0.2%	1	+10%
Barwick Banking Company	$201M	0.2%	1	no 2021 presence
Banco do Brasil Americas	$199M	0.2%	1	+72%
BankUnited	$195M	0.2%	3	-47%
Surety Bank	$190M	0.2%	2	+16%
Commerce Bank & Trust	$169M	0.2%	1	+29%
Centennial Bank	$168M	0.2%	7	-34%
Florida Capital Bank	$122M	0.1%	1	+40%
Enterprise Bank & Trust	$121M	0.1%	1	no 2021 presence
BankFlorida	$118M	0.1%	2	+222%
Crews Bank & Trust	$110M	0.1%	2	+52%
ServisFirst Bank	$108M	0.1%	1	no 2021 presence
Amerasia Bank	$89M	0.1%	1	+80%
Central Bank	$79M	0.1%	1	+95%
First-Citizens Bank & Trust Company	$66M	0.1%	2	-31%
Hancock Whitney Bank	$61M	0.1%	1	-20%
American Momentum Bank	$42M	<0.1%	1	+282%
First National Banker's Bank	$39M	<0.1%	1	-72%
Cypress Bank & Trust	$21M	<0.1%	1	no 2021 presence
Ocean Bank	$20M	<0.1%	1	no 2021 presence
Bank OZK	$13M	<0.1%	1	no 2021 presence
First Southern Bank	$12M	<0.1%	1	no 2021 presence
Woodforest National Bank	$6M	<0.1%	3	no 2021 presence
Helm Bank USA	$3M	<0.1%	1	no 2021 presence
Portrait Bank	$1M	<0.1%	1	no 2021 presence
The Bank of New York Mellon Trust Company	$0M	0.0%	1	no 2021 presence
Synchrony Bank	$0M	0.0%	1	no 2021 presence
BNY Mellon	$0M	0.0%	1	no 2021 presence

The 56 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

County	State	GDP	Population	Share of Market GDP	Share of Market Deposits
Orange County	Florida	$125.7B	1,528,002	50.5%	41.4%
Polk County	Florida	$33.9B	874,790	13.6%	15.6%
Seminole County	Florida	$27.4B	491,884	11.0%	10.5%
Volusia County	Florida	$22.9B	606,573	9.2%	11.8%
Osceola County	Florida	$15.6B	481,718	6.3%	5.3%
Lake County	Florida	$13.8B	456,068	5.5%	8.1%
Sumter County	Florida	$5.8B	157,772	2.3%	4.8%
Flagler County	Florida	$4.0B	140,360	1.6%	2.5%

Recruiting in the Orlando-Lakeland-Deltona 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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Deposit trend

Institutions by deposits

Counties in this market

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