Pensacola-Ferry Pass-Brent, FL, a Metropolitan Statistical Area, holds $8.1 billion in deposits across 20 insured institutions and 70 branches, and ranks #112 of 293 U.S. markets by economic output. Regions Bank is the largest deposit holder at 20.3% share. The top three banks hold 44% of deposits, which places the market in the Fragmented band. Deposits have declined 6.3% since 2021 while the branch count fell by 11.4%.
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
Branches: 79 in 2021 to 70 in 2026. Institutions: 22 to 20. Top-three share: 44% to 44%. Average deposits per branch: $116M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Regions Bank | $1.7B | 20.3% | +1% |
| Pinnacle Bank | $1.0B | 12.8% | +4% |
| Hancock Whitney Bank | $878M | 10.8% | -9% |
| Bank of America | $833M | 10.2% | -10% |
| Truist Bank | $795M | 9.8% | -34% |
| ServisFirst Bank | $628M | 7.7% | +13% |
| Wells Fargo Bank | $575M | 7.1% | -17% |
| PNC Bank | $373M | 4.6% | -13% |
| Renasant Bank | $229M | 2.8% | -24% |
| Centennial Bank | $212M | 2.6% | +16% |
| United Bank | $210M | 2.6% | +53% |
| SouthState Bank | $178M | 2.2% | -13% |
| The Warrington Bank | $145M | 1.8% | -18% |
| Bank of Pensacola | $133M | 1.6% | +11% |
| SmartBank | $110M | 1.4% | +167% |
| Trustmark Bank | $62M | 0.8% | +66% |
| The Huntington National Bank | $35M | 0.4% | +2% |
| Community Bank of Mississippi | $22M | 0.3% | no 2021 presence |
| MidSouth Bank | $20M | 0.2% | no 2021 presence |
| FNBT Bank | $15M | 0.2% | -7% |
The 20 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 | |
|---|---|---|---|---|---|
| Escambia County | Florida | $18.9B | 333,834 | 75.5% | 77.2% |
| Santa Rosa County | Florida | $6.1B | 211,115 | 24.5% | 22.8% |
Recruiting in the Pensacola-Ferry Pass-Brent 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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