Lists · Deposits by county
Okaloosa County, FL Bank Deposit Market Share
Pinnacle Bank holds the largest share of deposits in Okaloosa County, FL, 14.1%, followed by Regions Bank (12.6%) and Hancock Whitney Bank (12.0%). 22 institutions hold $5.25B at 54 offices as of June 30, 2026, up 3.1% from 2025.
Largest share changes since 2025
Gained: Pinnacle Bank (14.15 points, new to this market); Hancock Whitney Bank (1.51 points); The Huntington National Bank (1.05 points, new to this market).
Lost: Bank of America, N.A. (-0.91 points); Renasant Bank (-0.62 points); United Community Bank (-0.15 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Pinnacle Bank | $742.9M | 14.15% | +14.15 pts |
| 2 | Regions Bank | $662.9M | 12.63% | +0.23 pts |
| 3 | Hancock Whitney Bank | $627.5M | 11.95% | +1.51 pts |
| 4 | Bank of America, N.A. | $522.7M | 9.95% | -0.91 pts |
| 5 | FNBT Bank | $474.8M | 9.04% | -0.01 pts |
| 6 | Wells Fargo Bank, N.A. | $388.3M | 7.40% | +0.36 pts |
| 7 | United Fidelity Bank, FSB | $328.8M | 6.26% | +0.30 pts |
| 8 | Renasant Bank | $280.5M | 5.34% | -0.62 pts |
| 9 | PNC Bank, N.A. | $191.9M | 3.66% | +0.03 pts |
| 10 | Trustmark Bank | $157.5M | 3.00% | +0.41 pts |
| 11 | Truist Bank | $134.8M | 2.57% | +0.07 pts |
| 12 | CCB Community Bank | $126.5M | 2.41% | -0.03 pts |
| 13 | ServisFirst Bank | $102.5M | 1.95% | -0.02 pts |
| 14 | SmartBank | $98.7M | 1.88% | -0.03 pts |
| 15 | PNB Community Bank | $93.6M | 1.78% | -0.09 pts |
| 16 | Community Bank of Mississippi | $79.7M | 1.52% | +0.11 pts |
| 17 | United Community Bank | $57.9M | 1.10% | -0.15 pts |
| 18 | The Huntington National Bank | $55.1M | 1.05% | +1.05 pts |
| 19 | Centennial Bank | $47.4M | 0.90% | -0.05 pts |
| 20 | Origin Bank | $41.3M | 0.79% | +0.25 pts |
| 21 | Midsouth Bank | $28.3M | 0.54% | +0.01 pts |
| 22 | River Bank & Trust | $6.9M | 0.13% | +0.13 pts |
About this list
Deposits are those held at each institution's offices in Okaloosa County as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.
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