Tallahassee-Bainbridge, FL-GA, a Combined Statistical Area, holds $9.1 billion in deposits across 23 insured institutions and 78 branches, and ranks #124 of 293 U.S. markets by economic output. Capital City Bank is the largest deposit holder at 18.9% share. The top three banks hold 43% of deposits, which places the market in the Fragmented band. Deposits have declined 28.1% 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: 88 in 2021 to 78 in 2026. Institutions: 23 to 23. Top-three share: 48% to 43%. Average deposits per branch: $116M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Capital City Bank | $1.7B | 18.9% | +5% |
| Bank of America | $1.2B | 13.1% | -6% |
| Wells Fargo Bank | $979M | 10.8% | -49% |
| Truist Bank | $944M | 10.4% | -62% |
| Hancock Whitney Bank | $561M | 6.2% | +14% |
| Renasant Bank | $538M | 5.9% | +1% |
| Regions Bank | $535M | 5.9% | -32% |
| Centennial Bank | $533M | 5.9% | -28% |
| Pinnacle Bank | $323M | 3.6% | -11% |
| First Port City Bank | $285M | 3.1% | +29% |
| Thomasville National Bank | $228M | 2.5% | +144% |
| Ameris Bank | $200M | 2.2% | +16% |
| JPMorgan Chase Bank | $194M | 2.1% | +420% |
| First National Bank of Decatur County | $170M | 1.9% | +15% |
| ServisFirst Bank | $157M | 1.7% | no 2021 presence |
| Colony Bank | $121M | 1.3% | +37% |
| Bank OZK | $114M | 1.3% | +7% |
| PeoplesSouth Bank | $81M | 0.9% | +40% |
| First State Bank of Blakely | $65M | 0.7% | +20% |
| American Commerce Bank | $50M | 0.6% | -15% |
| MidSouth Bank | $35M | 0.4% | +1,167% |
| SmartBank | $35M | 0.4% | no 2021 presence |
| Family Bank | $24M | 0.3% | +4% |
The 23 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 | |
|---|---|---|---|---|---|
| Leon County | Florida | $18.8B | 299,048 | 84.0% | 82.8% |
| Gadsden County | Florida | $1.3B | 44,298 | 5.7% | 3.1% |
| Decatur County | Georgia | $1.1B | 29,432 | 4.7% | 8.0% |
| Wakulla County | Florida | $910M | 38,089 | 4.1% | 3.2% |
| Jefferson County | Florida | $341M | 16,007 | 1.5% | 2.8% |
Recruiting in the Tallahassee-Bainbridge 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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