| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Centennial Bank | Bank | 2 | $789.3M | 72.70% |
| 2 | Tyndall Federal Credit Union | Credit union | 1 | $162.9M* | 15.01% |
| 3 | Capital City Bank | Bank | 1 | $52.9M | 4.87% |
| 4 | Emerald Coast Federal Credit Union | Credit union | 2 | $40.8M* | 3.76% |
| 5 | PeoplesSouth Bank | Bank | 1 | $39.8M | 3.66% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $1.09B | 5 | 7 | Centennial Bank | 72.7% | 5,562 |
| 2025 | $1.17B | 5 | 7 | Centennial Bank | 74.6% | 5,807 |
| 2024 | $648.5M | 5 | 8 | Centennial Bank | 55.2% | 3,784 |
| 2023 | $602.0M | 5 | 7 | Centennial Bank | 50.8% | 3,478 |
| 2022 | $613.5M | 5 | 7 | Centennial Bank | 49.3% | 3,334 |
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.