CMS Case Study
2019
2018
Number of Branches
Total Deposits In
Total Market Share (%)
Total Deposits In
Total Market Share %
Institution (ST)
2019 Rank 2018 Rank
Jackson County, AL Cloyd Bank and Trust
20.56 19.85 10.38
345,065 354,387 180,765 184,946 150,571
19.98 20.52 10.46 10.71
363,803 351,204 183,690 174,224 155,925
2 1 4 2 5
3 3 4 1 3
1 2 3 4 5
Regions Bank South Bank
First Bank
9.85 8.81
8.72
Wells Fargo Bank
Total for Institutions in Market
35 1,769,568
1,727,355
Madison County, AL Regions Bank
1 2 3 4 5
17 1,404,745
18.88 13.23 11.94
1,416,758
19.68 13.44 10.59
1 2 3 4 5
BBVA
7 2 5 7 2
984,099 888,251 652,198 571,268 36,669
967,376 762,793 617,539 567,756 35,434
Service Bank Synovus Bank
8.76 7.68 0.49
8.58 7.89 0.49
Wells Fargo Bank
Cloyd Bank and Trust
21
18
Total for Institutions in Market
100 7,441,043
7,200,120
Lauderdale County, AL Independent Bank
1 2 3 4 5
1 2 3 4 5
8 3 5 2 3 1 1 4 7 3 4 1 2 2 4 2 2 1
404,537 218,971 197,342 193,306 190,432 27,469 254,856 246,172 222,233 218,234 197,492 15,487 223,186 166,496 111,388 106,464 89,209 11,716 784,634
21.07 11.40 10.28 10.07
367,676 219,393 185,248 176,445 174,206 32,485
20.26 12.09 10.21
Truist Bank Metro Bank
BBVA
9.72 9.60 1.79
Southern Bank
9.92 1.43
Cloyd Bank and Trust
11
11
Total for Institutions in Market
35 1,920,075
1,815,020
Cullman County, AL Regions Bank
1 2 3 4 5
1 2 3 4 5
14.48 13.99 12.63 12.40 11.22
266,911 249,022 218,426 207,599 204,399
15.10 14.09 12.36 11.75 11.57
Merchant Bank Peoples Bank Traditional Bank
Savings Bank
Cloyd Bank and Trust
11
11
0.88
8,490
0.48
Total for Institutions in Market
31 1,759,773
1,767,385
Limestone County, AL Regions Bank First Bank Tennessee
1 2 3 4 5 8
1 2 3 4 5 7
28.44 21.22 14.20 13.57 11.37
211,025 157,824 135,128 91,197 88,424 10,217 760,970
27.73 20.74 17.76 11.98 11.62
Trustmark Bank Independent Bank
BBVA
Cloyd Bank and Trust
1.49
1.34
Total for Institutions in Market
18
Source: S&P Global Market Intelligence
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