| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Centennial Bank | Bank | 4 | $247.5M | 72.31% |
| 2 | PeoplesSouth Bank | Bank | 1 | $74.4M | 21.73% |
| 3 | Emerald Coast Federal Credit Union | Credit union | 1 | $20.4M* | 5.96% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $342.3M | 3 | 6 | Centennial Bank | 72.3% | 5,736 |
| 2025 | $339.9M | 3 | 7 | Centennial Bank | 73.7% | 5,874 |
| 2024 | $340.6M | 3 | 7 | Centennial Bank | 74.6% | 5,968 |
| 2023 | $346.0M | 3 | 7 | Centennial Bank | 75.3% | 6,064 |
| 2022 | $369.4M | 3 | 7 | Centennial Bank | 76.0% | 6,151 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.