ML_01Bank

Pinnacle Bank

Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.

COMPLETETN81 marketsMethodology

ML_07AI executive summary

AI brief

A $96.0bn book; 58.1% of deposits sit in high-growth markets; the largest market is 22.5% of the book; 21 high-growth markets are losing share.

Generated 22 Aug 2026, 03:35 UTC · drafted over all 81 markets · 12 citations, every one resolved against the computed rows

ML_02Book

Book: $96.0bn
In high-growth markets
Largest position
Top 5: 52% of book

Deposits are this bank’s pro forma SOD book in each market, not market size. Nashville-Davidson’s 23.4% is share of that metro; 22.5% is share of Pinnacle Bank’s own book.

ML_03Footprint map

Where the deposits are

Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.

Footprint map

Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.

Shading: Bank deposits (current) (US dollars) · sequential ramp · 81 markets in view

Highest$1.1bn to $21.6bn17 markets
Band 4$452.8m to <$1.1bn16 markets
Band 3$274.1m to <$452.8m16 markets
Band 2$112.3m to <$274.1m16 markets
Lowest$0k to <$112.3m16 markets
No datano value for this measure0 markets
Hatchedlimited-service offices in the market28 markets

Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.

Pinnacle Financial Partners (35583 pro forma cert 873) · 81 markets · unfiltered · as of 22 Aug 2026, 03:37 UTC

Loading county geometry…

Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.

ML_07AAI strengths & watch items

Strength

Nashville-Davidson--Murfreesboro--Franklin, TN is a growth market where the franchise is already established (Entrenched Leader).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Strength

Atlanta-Sandy Springs-Roswell, GA is a growth market where the franchise is already established (Expanding).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Strength

Birmingham, AL is a growth market where the franchise is already established (Entrenched Leader).

Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.

Watch

Columbus, GA-AL scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

Watch

Memphis, TN-MS-AR scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

Watch

Washington-Arlington-Alexandria, DC-VA-MD-WV scores below the national distribution on the growth composite.

A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.

3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.

ML_07BCaveats

Strategic question

Where would the next branch buy the most incremental share, given where the franchise is already entrenched?

Caveatsfrom the run’s own data flags

Deposit shares are Summary of Deposits book values as of the June survey date and follow the booking office, not the customer.
Markets flagged in data_flags carry a stated caveat in the row.

Claims dropped

0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.

Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.

GrowthShare

SizeStage

Showing 81 of 81 markets · sorted by Bank deposits (current), highest first · 40 columns hidden

Rows are comfortable — the density toggle sits on the table, with the export controls.

ML_04Ranked markets

Every market, ranked

Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.

81 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden

CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).

Markets ranked by Bank deposits (current), highest first. 81 markets. The last row is a total over the markets shown.
													Row actionDetail
Nashville-Davidson--Murfreesboro--Franklin, TN	34980	TN	Major Metro	High	Entrenched Leader	Entrenched Leader; share 23.4% (+488bps 5yr); 38 branches (+1 5yr); entered 2001; CAUTION: $8.3bn booked OUT of offices here and $15.3bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$617.9m	16.2%	$21.6bn	23.4%	+488 bps	+1.33
Atlanta-Sandy Springs-Roswell, GA	12060	GA	Major Metro	Medium	Expanding	Expanding; share 6.5% (+289bps 5yr); 47 branches (+1 5yr); entered 1994; CAUTION: $7.3bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$326.2m	14.4%	$15.3bn	6.5%	+289 bps	+0.19
Columbus, GA-AL	17980	AL\|GA	Secondary Metro	Low	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 60.9% (-1248bps 5yr); 14 branches (-2 5yr); entered 1994; via 2026 merger; CAUTION: $7.7bn booked OUT of offices here and $4.2bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$518.2m	3.3%	$5.7bn	60.9%	-1,248 bps	-0.55
Birmingham, AL	13820	AL	Major Metro	Medium	Entrenched Leader	Entrenched Leader; share 8.3% (+320bps 5yr); 15 branches (+1 5yr); entered 2010	$293.6m	9.9%	$4.1bn	8.3%	+320 bps	+0.07
Knoxville, TN	28940	TN	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 14.2% (+231bps 5yr); 7 branches (+0 5yr); entered 2007	$480.5m	16.4%	$3.4bn	14.2%	+231 bps	+1.17
Miami-Fort Lauderdale-West Palm Beach, FL	33100	FL	Major Metro	High	Pulling Back	Pulling Back; share 0.9% (-63bps 5yr); 18 branches (-3 5yr); entered 2019; via 2026 merger; CAUTION: $1.0bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$164.3m	-6.1%	$3.0bn	0.9%	-63 bps	+0.48
Chattanooga, TN-GA	16860	GA\|TN	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 19.5% (+536bps 5yr); 5 branches (-1 5yr); entered 2010	$419.9m	14.1%	$2.5bn	19.5%	+536 bps	+0.43
Memphis, TN-MS-AR	32820	MS\|TN	Major Metro	Low	Expanding	Expanding; share 7.8% (+392bps 5yr); 7 branches (+1 5yr); entered 2010	$352.6m	20.2%	$2.5bn	7.8%	+392 bps	-0.55
Tampa-St. Petersburg-Clearwater, FL	45300	FL	Major Metro	High	Established - Mature	Established - Mature; share 1.9% (+37bps 5yr); 14 branches (-2 5yr); entered 2010; via 2026 merger	$168.4m	13.7%	$2.4bn	1.9%	+37 bps	+1.07
Washington-Arlington-Alexandria, DC-VA-MD-WV	47900	MD\|VA	Major Metro	Medium	New Entrant	New Entrant; share 1.1% (+112bps 5yr); 3 branches (+3 5yr); entered 2023; CAUTION: $2.1bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$547.8m	85.4%	$2.2bn	1.1%	+112 bps	-0.27
Charleston-North Charleston, SC	16700	SC	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 9.4% (+99bps 5yr); 18 branches (-1 5yr); entered 2010	$127.4m	12.9%	$2.2bn	9.4%	+99 bps	+1.29
Greensboro-High Point, NC	24660	NC	Secondary Metro	Medium	Entrenched Leader	Entrenched Leader; share 14.4% (+245bps 5yr); 13 branches (+0 5yr); entered 2017	$195.0m	7.1%	$2.1bn	14.4%	+245 bps	+0.20
Charlotte-Concord-Gastonia, NC-SC	16740	NC\|SC	Major Metro	High	Expanding	Expanding; share 0.4% (+6bps 5yr); 11 branches (+3 5yr); entered 2010	$180.5m	53.7%	$2.0bn	0.4%	+6 bps	+1.10
Columbia, SC	17900	SC	Secondary Metro	High	Expanding	Expanding; share 6.1% (+69bps 5yr); 9 branches (-1 5yr); entered 2010; via 2026 merger	$178.7m	5.4%	$1.6bn	6.1%	+69 bps	+0.52
Huntsville, AL	26620	AL	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 12.4% (+368bps 5yr); 6 branches (+1 5yr); entered 2010	$252.0m	11.7%	$1.5bn	12.4%	+368 bps	+1.52
Athens-Clarke County, GA	12020	GA	Small Metro	High	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 24.3% (-351bps 5yr); 6 branches (-2 5yr); entered 2010; via 2026 merger	$233.5m	5.3%	$1.4bn	24.3%	-351 bps	+0.33
Orlando-Kissimmee-Sanford, FL	36740	FL	Major Metro	High	Established - Mature	Established - Mature; share 2.0% (+11bps 5yr); 6 branches (+0 5yr); entered 2015; via 2026 merger	$187.0m	50.2%	$1.1bn	2.0%	+11 bps	+0.99
Winston-Salem, NC	49180	NC	Secondary Metro	Medium	Entrenched Leader	Entrenched Leader; share 8.4% (-18bps 5yr); 6 branches (+0 5yr); entered 2017; CAUTION: $0.4bn booked IN to offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$185.1m	-5.7%	$1.1bn	8.4%	-18 bps	+0.22
Pensacola-Ferry Pass-Brent, FL	37860	FL	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 13.3% (+214bps 5yr); 7 branches (-1 5yr); entered 2010; via 2026 merger	$155.3m	7.5%	$1.1bn	13.3%	+214 bps	+0.83
Raleigh-Cary, NC	39580	NC	Major Metro	High	Expanding	Expanding; share 0.9% (-57bps 5yr); 6 branches (+2 5yr); entered 2017	$154.7m	23.8%	$928.3m	0.9%	-57 bps	+1.54
Roanoke, VA	40220	VA	Secondary Metro	Medium	Entrenched Leader	Entrenched Leader; share 13.3% (+186bps 5yr); 8 branches (+0 5yr); entered 2017	$127.3m	7.2%	$890.8m	13.3%	+186 bps	-0.04
Montgomery, AL	33860	AL	Secondary Metro	Medium	Entrenched Leader	Entrenched Leader; share 10.8% (-83bps 5yr); 3 branches (+0 5yr); entered 2010; via 2026 merger	$293.9m	4.0%	$881.8m	10.8%	-83 bps	-0.12
Myrtle Beach-Conway-North Myrtle Beach, SC	34820	SC	Secondary Metro	High	Established - Mature	Established - Mature; share 7.3% (-16bps 5yr); 6 branches (+0 5yr); entered 2010	$145.9m	12.1%	$875.4m	7.3%	-16 bps	+2.18
Statesboro, GA	44340	GA	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 40.8% (+593bps 5yr); 3 branches (+0 5yr); entered 2010; via 2026 merger	$269.8m	9.8%	$809.5m	40.8%	+593 bps	+1.05
Crestview-Fort Walton Beach-Destin, FL	18880	FL	Secondary Metro	High	Entrenched Leader	Entrenched Leader; share 15.8% (+127bps 5yr); 5 branches (-3 5yr); entered 2010; via 2026 merger	$161.3m	5.1%	$806.5m	15.8%	+127 bps	+1.12
Jacksonville, FL	27260	FL	Major Metro	High	Expanding	Expanding; share 0.7% (+6bps 5yr); 7 branches (+2 5yr); entered 2010	$114.9m	8.4%	$804.4m	0.7%	+6 bps	+1.34
Warner Robins, GA	47580	GA	Small Metro	Medium	Entrenched Leader	Entrenched Leader; share 25.1% (+130bps 5yr); 4 branches (-1 5yr); entered 2010; via 2026 merger	$174.2m	6.9%	$696.8m	25.1%	+130 bps	+0.26
Greenville-Anderson-Greer, SC	24860	SC	Major Metro	High	Established - Mature	Established - Mature; share 3.3% (+28bps 5yr); 7 branches (-1 5yr); entered 2010	$115.2m	16.0%	$691.0m	3.3%	+28 bps	+0.71
Naples-Marco Island, FL	34940	FL	Secondary Metro	High	Pulling Back	Pulling Back; share 3.0% (-79bps 5yr); 3 branches (-1 5yr); entered 2010; via 2026 merger	$189.8m	28.2%	$569.3m	3.0%	-79 bps	+1.72
Valdosta, GA	46660	GA	Small Metro	Medium	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 17.8% (-639bps 5yr); 3 branches (-1 5yr); entered 2010; via 2026 merger	$185.4m	3.5%	$556.3m	17.8%	-639 bps	-0.28
Tuscaloosa, AL	46220	AL	Secondary Metro	Low	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 12.2% (-40bps 5yr); 3 branches (-2 5yr); entered 2010; via 2026 merger	$184.4m	2.3%	$553.3m	12.2%	-41 bps	-0.37
Cleveland, TN	17420	TN	Small Metro	High	Entrenched Leader	Entrenched Leader; share 19.9% (+1113bps 5yr); 1 branches (+0 5yr); entered 2016	$512.3m	16.8%	$512.3m	19.9%	+1,113 bps	+0.51
Savannah, GA	42340	GA	Secondary Metro	High	Pulling Back	Pulling Back; share 5.7% (-88bps 5yr); 3 branches (-1 5yr); entered 2010; via 2026 merger	$150.9m	3.1%	$452.8m	5.7%	-88 bps	+0.85
North Port-Bradenton-Sarasota, FL	35840	FL	Secondary Metro	High	Established - Mature	Established - Mature; share 1.5% (-131bps 5yr); 6 branches (+0 5yr); entered 2010; via 2026 merger	$73.5m	8.3%	$441.3m	1.5%	-131 bps	+1.73
LaGrange, GA-AL	29300	GA	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 26.8% (+14bps 5yr); 2 branches (-1 5yr); entered 2010; via 2026 merger	$214.0m	7.3%	$428.0m	26.8%	+15 bps	+0.47
Tifton, GA	45700	GA	Micropolitan	Medium	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 31.3% (-291bps 5yr); 1 branches (-1 5yr); entered 2010; via 2026 merger	$410.3m	2.2%	$410.3m	31.3%	-291 bps	-0.01
Sumter, SC	44940	SC	Small Metro	Low	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 32.9% (-340bps 5yr); 2 branches (-1 5yr); entered 2010; via 2026 merger	$195.5m	3.1%	$391.0m	32.9%	-340 bps	-0.37
Cape Coral-Fort Myers, FL	15980	FL	Secondary Metro	High	Established - Mature	Established - Mature; share 1.7% (-78bps 5yr); 4 branches (-1 5yr); entered 2010; via 2026 merger	$95.9m	33.9%	$383.7m	1.7%	-78 bps	+1.41
Tallahassee, FL	45220	FL	Secondary Metro	High	Established - Mature	Established - Mature; share 4.4% (+21bps 5yr); 4 branches (+0 5yr); entered 2010; via 2026 merger	$87.9m	2.9%	$351.5m	4.4%	+21 bps	+0.44
Albany, GA	10500	GA	Small Metro	Low	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 13.2% (-283bps 5yr); 3 branches (-1 5yr); entered 2010; via 2026 merger	$175.7m	3.2%	$351.4m	13.2%	-283 bps	-0.45
Calhoun, GA	15660	GA	Micropolitan	High	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 31.5% (-424bps 5yr); 1 branches (-1 5yr); entered 2010; via 2026 merger	$341.4m	1.9%	$341.4m	31.5%	-424 bps	+0.76
Augusta-Richmond County, GA-SC	12260	GA	Secondary Metro	Medium	Established - Mature	Established - Mature; share 4.3% (+7bps 5yr); 2 branches (-1 5yr); entered 2010; via 2026 merger	$167.3m	7.1%	$334.6m	4.3%	+7 bps	-0.10
Durham-Chapel Hill, NC	20500	NC	Secondary Metro	High	Expanding	Expanding; share 2.0% (+64bps 5yr); 3 branches (+0 5yr); entered 2017	$81.4m	2.7%	$325.8m	2.0%	+64 bps	+0.86
Enterprise, AL	21460	AL	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 27.7% (+378bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$308.3m	10.3%	$308.3m	27.7%	+378 bps	+0.86
Thomasville, GA	45620	GA	Micropolitan	High	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 14.5% (-432bps 5yr); 3 branches (-1 5yr); entered 2010; via 2026 merger	$151.5m	0.6%	$303.0m	14.5%	-432 bps	+0.43
Port St. Lucie, FL	38940	FL	Secondary Metro	High	Established - Mature	Established - Mature; share 2.1% (-84bps 5yr); 3 branches (+0 5yr); entered 2019; via 2026 merger	$94.0m	-4.4%	$281.9m	2.1%	-84 bps	+2.00
Punta Gorda, FL	39460	FL	Small Metro	High	Established - Mature	Established - Mature; share 4.9% (-287bps 5yr); 3 branches (+0 5yr); entered 2019; via 2026 merger	$93.5m	-7.2%	$280.6m	4.9%	-287 bps	+2.33
Spartanburg, SC	43900	SC	Secondary Metro	High	Established - Mature	Established - Mature; share 4.6% (+14bps 5yr); 2 branches (-1 5yr); entered 2010	$140.2m	7.7%	$280.4m	4.6%	+14 bps	+1.05
Rome, GA	40660	GA	Small Metro	Medium	Entrenched Leader (consolidating)	Entrenched Leader (consolidating); share 11.9% (-698bps 5yr); 1 branches (-1 5yr); entered 2010; via 2026 merger	$274.1m	0.0%	$274.1m	11.9%	-698 bps	-0.08
Brunswick-St. Simons, GA	15260	GA	Small Metro	High	Entrenched Leader	Entrenched Leader; share 9.1% (-253bps 5yr); 3 branches (+0 5yr); entered 2010; via 2026 merger	$134.8m	-0.2%	$269.6m	9.1%	-253 bps	+0.79
Louisville/Jefferson County, KY-IN	31140	KY	Major Metro	Medium	New Entrant	New Entrant; share 0.8% (+83bps 5yr); 1 branches (+1 5yr); entered 2024	$262.7m	440.9%	$262.7m	0.8%	+83 bps	+0.07
Dalton, GA	19140	GA	Small Metro	Medium	Entrenched Leader	Entrenched Leader; share 8.4% (-118bps 5yr); 2 branches (+0 5yr); entered 2010; via 2026 merger	$127.5m	2.5%	$255.0m	8.4%	-118 bps	-0.13
Albemarle, NC	10620	NC	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 16.0% (-598bps 5yr); 2 branches (+0 5yr); entered 2017	$117.5m	1.0%	$234.9m	16.0%	-598 bps	+1.31
Deltona-Daytona Beach-Ormond Beach, FL	19660	FL	Secondary Metro	High	New Entrant	New Entrant; share 1.8% (-142bps 5yr); 2 branches (+0 5yr); entered 2019; via 2026 merger	$109.7m	-11.0%	$219.4m	1.8%	-142 bps	+1.43
Americus, GA	11140	GA	Micropolitan	Low	Entrenched Leader	Entrenched Leader; share 19.0% (-978bps 5yr); 2 branches (+0 5yr); entered 2010; via 2026 merger	$190.4m	1.2%	$190.4m	19.0%	-978 bps	-1.28
Dothan, AL	20020	AL	Small Metro	Medium	Established - Mature	Established - Mature; share 5.5% (+49bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$189.4m	10.7%	$189.4m	5.5%	+49 bps	+0.19
Bowling Green, KY	14540	KY	Small Metro	High	New Entrant	New Entrant; share 4.4% (+442bps 5yr); 1 branches (+1 5yr); entered 2023	$172.9m	54.5%	$172.9m	4.4%	+442 bps	+0.99
Shelbyville, TN	43180	TN	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 13.7% (+328bps 5yr); 1 branches (+0 5yr); entered 2006	$172.4m	12.4%	$172.4m	13.7%	+328 bps	+1.17
Hilton Head Island-Bluffton-Port Royal, SC	25940	SC	Small Metro	High	Established - Mature	Established - Mature; share 2.6% (-55bps 5yr); 3 branches (+0 5yr); entered 2010	$55.9m	6.4%	$167.7m	2.6%	-55 bps	+1.39
Hart County, Georgia	13147	GA	Rural	High	Entrenched Leader	Entrenched Leader; share 28.4% (+258bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$156.0m	7.3%	$156.0m	28.4%	+258 bps	+1.05
Burlington, NC	15500	NC	Small Metro	High	Expanding	Expanding; share 5.3% (+257bps 5yr); 1 branches (+0 5yr); entered 2017	$143.3m	16.0%	$143.3m	5.3%	+257 bps	+0.73
Macon-Bibb County, GA	31420	GA	Small Metro	Low	Expanding	Expanding; share 3.0% (+120bps 5yr); 2 branches (+1 5yr); entered 2013; via 2026 merger	$64.6m	23.1%	$129.2m	3.0%	+120 bps	-0.42
Candler County, Georgia	13043	GA	Rural	Medium	Entrenched Leader	Entrenched Leader; share 42.7% (+432bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$122.4m	9.8%	$122.4m	42.7%	+432 bps	-0.04
Ozark, AL	37120	AL	Micropolitan	Medium	Entrenched Leader	Entrenched Leader; share 26.4% (+367bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$113.7m	6.7%	$113.7m	26.4%	+367 bps	-0.07
Lee County, South Carolina	45061	SC	Rural	Low	Entrenched Leader	Entrenched Leader; share 60.0% (+647bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$112.3m	6.3%	$112.3m	60.0%	+647 bps	-0.41
Clarendon County, South Carolina	45027	SC	Rural	Medium	Entrenched Leader	Entrenched Leader; share 23.4% (-212bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$111.5m	4.6%	$111.5m	23.4%	-212 bps	+0.32
Clewiston, FL	17500	FL	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 15.1% (-225bps 5yr); 1 branches (+0 5yr); entered 2019; via 2026 merger	$99.9m	2.6%	$99.9m	15.1%	-225 bps	+1.22
Florence, SC	22500	SC	Small Metro	Medium	Established - Mature	Established - Mature; share 2.8% (-76bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$95.9m	1.3%	$95.9m	2.8%	-76 bps	-0.19
Kingsland, GA	28680	GA	Micropolitan	High	Entrenched Leader	Entrenched Leader; share 17.9% (-591bps 5yr); 1 branches (+0 5yr); entered 2010; via 2026 merger	$87.9m	5.1%	$87.9m	17.9%	-591 bps	+0.93
Lynchburg, VA	31340	VA	Secondary Metro	Medium	Expanding	Expanding; share 4.6% (+381bps 5yr); 2 branches (+1 5yr); entered 2020	$85.5m	48.0%	$85.5m	4.6%	+381 bps	-0.14
Palm Bay-Melbourne-Titusville, FL	37340	FL	Secondary Metro	High	New Entrant	New Entrant; share 0.7% (-90bps 5yr); 1 branches (-1 5yr); entered 2019; via 2026 merger; CAUTION: $0.1bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$81.3m	-17.0%	$81.3m	0.7%	-90 bps	+1.50
Mobile, AL	33660	AL	Secondary Metro	Medium	Established - Mature	Established - Mature; share 0.7% (+10bps 5yr); 1 branches (-1 5yr); entered 2010; via 2026 merger; CAUTION: $0.0bn booked OUT of offices here between the 2020 and 2025 surveys (office-level book relocation, see methodology 8.6) -- check whether the move was intra-market (share unaffected) or cross-market (share delta is partly a booking change, not an operating result) before reading this label	$73.5m	0.8%	$73.5m	0.7%	+10 bps	+0.11
Asheville, NC	11700	NC	Secondary Metro	High	Established - Mature	Established - Mature; share 0.8% (+20bps 5yr); 1 branches (+0 5yr); entered 2017	$62.4m	16.2%	$62.4m	0.8%	+20 bps	+0.44
Baltimore-Columbia-Towson, MD	12580	MD	Major Metro	Low	New Entrant	New Entrant; share 0.6% (+58bps 5yr); 1 branches (+1 5yr); entered 2024	$55.5m	-35.2%	$55.5m	0.6%	+58 bps	-0.34
Sebastian-Vero Beach-West Vero Corridor, FL	42680	FL	Small Metro	High	New Entrant	New Entrant; share 0.8% (-66bps 5yr); 1 branches (+0 5yr); entered 2019; via 2026 merger	$46.2m	-15.2%	$46.2m	0.8%	-66 bps	+1.22
Daphne-Fairhope-Foley, AL	19300	AL	Secondary Metro	High	Established - Mature	Established - Mature; share 0.5% (-64bps 5yr); 1 branches (+0 5yr); entered 2010	$17.6m	-5.2%	$35.3m	0.5%	-64 bps	+1.88
Decatur, AL	19460	AL	Small Metro	Medium	New Entrant	New Entrant; share 0.0% (+0bps 5yr); 0 branches (+0 5yr); entered n/a	$0k	——	$0k	0.0%	+0 bps	+0.23
Dallas-Fort Worth-Arlington, TX	19100	TX	Major Metro	High	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	+0.88
Evansville, IN	21780	IN	Secondary Metro	Medium	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	-0.22
Greenville, NC	24780	NC	Small Metro	Medium	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	+0.13
Los Angeles-Long Beach-Anaheim, CA	31080	CA	Major Metro	Low	Limited-Service Foothold	Limited-Service Foothold; share n/a (n/a bps 5yr); 0 branches (+0 5yr); entered n/a	—	——	$0k	—	—	-0.69
Totals over 81 markets shown									$96.0bn				142 counties · 428 offices

ML_06Market detail

One market, in full

Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.

ML_09Methodology & basis

How these numbers were produced

Every threshold, gate and vintage, generated with this bank’s own figures.

Pinnacle Financial Partners (35583 pro forma cert 873) · 81 markets · unfiltered

Read the methodology