| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | The Shelby State Bank | Bank | 4 | $177.2M | 37.04% |
| 2 | The Huntington National Bank | Bank | 2 | $127.8M | 26.71% |
| 3 | Fifth Third Bank, National Association | Bank | 1 | $79.9M | 16.71% |
| 4 | West Shore Bank | Bank | 1 | $43.2M | 9.03% |
| 5 | Family Financial Credit Union | Credit union | 1 | $38.6M* | 8.07% |
| 6 | Lake-Osceola State Bank | Bank | 1 | $11.6M | 2.43% |
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $478.4M | 6 | 10 | The Shelby State Bank | 37.0% | 2,517 |
| 2025 | $471.8M | 6 | 10 | The Shelby State Bank | 35.5% | 2,472 |
| 2024 | $440.5M | 6 | 9 | The Shelby State Bank | 29.6% | 2,326 |
| 2023 | $445.4M | 6 | 9 | The Shelby State Bank | 31.8% | 2,331 |
| 2022 | $442.1M | 6 | 9 | The Shelby State Bank | 34.5% | 2,357 |
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.