Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
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
81 markets
47 of 81
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.
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
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.
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.
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.
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.
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.
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.
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.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
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.
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).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nashville-Davidson--Murfreesboro--Franklin, TN | 34980 | TN | Major Metro | High | Entrenched Leader | $617.9m | 16.2% | $21.6bn | 23.4% | +488 bps | +1.33 | ||
| Atlanta-Sandy Springs-Roswell, GA | 12060 | GA | Major Metro | Medium | Expanding | $326.2m | 14.4% | $15.3bn | 6.5% | +289 bps | +0.19 | ||
| Columbus, GA-AL | 17980 | AL|GA | Secondary Metro | Low | Entrenched Leader (consolidating) | $518.2m | 3.3% | $5.7bn | 60.9% | -1,248 bps | -0.55 | ||
| Birmingham, AL | 13820 | AL | Major Metro | Medium | Entrenched Leader | $293.6m | 9.9% | $4.1bn | 8.3% | +320 bps | +0.07 | ||
| Knoxville, TN | 28940 | TN | Secondary Metro | High | Entrenched Leader | $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 | $164.3m | -6.1% | $3.0bn | 0.9% | -63 bps | +0.48 | ||
| Chattanooga, TN-GA | 16860 | GA|TN | Secondary Metro | High | Entrenched Leader | $419.9m | 14.1% | $2.5bn | 19.5% | +536 bps | +0.43 | ||
| Memphis, TN-MS-AR | 32820 | MS|TN | Major Metro | Low | Expanding | $352.6m | 20.2% | $2.5bn | 7.8% | +392 bps | -0.55 | ||
| Tampa-St. Petersburg-Clearwater, FL | 45300 | FL | Major Metro | High | Established - Mature | $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 | $547.8m | 85.4% | $2.2bn | 1.1% | +112 bps | -0.27 | ||
| Charleston-North Charleston, SC | 16700 | SC | Secondary Metro | High | Entrenched Leader | $127.4m | 12.9% | $2.2bn | 9.4% | +99 bps | +1.29 | ||
| Greensboro-High Point, NC | 24660 | NC | Secondary Metro | Medium | Entrenched Leader | $195.0m | 7.1% | $2.1bn | 14.4% | +245 bps | +0.20 | ||
| Charlotte-Concord-Gastonia, NC-SC | 16740 | NC|SC | Major Metro | High | Expanding | $180.5m | 53.7% | $2.0bn | 0.4% | +6 bps | +1.10 | ||
| Columbia, SC | 17900 | SC | Secondary Metro | High | Expanding | $178.7m | 5.4% | $1.6bn | 6.1% | +69 bps | +0.52 | ||
| Huntsville, AL | 26620 | AL | Secondary Metro | High | Entrenched Leader | $252.0m | 11.7% | $1.5bn | 12.4% | +368 bps | +1.52 | ||
| Athens-Clarke County, GA | 12020 | GA | Small Metro | High | Entrenched Leader (consolidating) | $233.5m | 5.3% | $1.4bn | 24.3% | -351 bps | +0.33 | ||
| Orlando-Kissimmee-Sanford, FL | 36740 | FL | Major Metro | High | Established - Mature | $187.0m | 50.2% | $1.1bn | 2.0% | +11 bps | +0.99 | ||
| Winston-Salem, NC | 49180 | NC | Secondary Metro | Medium | Entrenched Leader | $185.1m | -5.7% | $1.1bn | 8.4% | -18 bps | +0.22 | ||
| Pensacola-Ferry Pass-Brent, FL | 37860 | FL | Secondary Metro | High | Entrenched Leader | $155.3m | 7.5% | $1.1bn | 13.3% | +214 bps | +0.83 | ||
| Raleigh-Cary, NC | 39580 | NC | Major Metro | High | Expanding | $154.7m | 23.8% | $928.3m | 0.9% | -57 bps | +1.54 | ||
| Roanoke, VA | 40220 | VA | Secondary Metro | Medium | Entrenched Leader | $127.3m | 7.2% | $890.8m | 13.3% | +186 bps | -0.04 | ||
| Montgomery, AL | 33860 | AL | Secondary Metro | Medium | Entrenched Leader | $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 | $145.9m | 12.1% | $875.4m | 7.3% | -16 bps | +2.18 | ||
| Statesboro, GA | 44340 | GA | Micropolitan | High | Entrenched Leader | $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 | $161.3m | 5.1% | $806.5m | 15.8% | +127 bps | +1.12 | ||
| Jacksonville, FL | 27260 | FL | Major Metro | High | Expanding | $114.9m | 8.4% | $804.4m | 0.7% | +6 bps | +1.34 | ||
| Warner Robins, GA | 47580 | GA | Small Metro | Medium | Entrenched Leader | $174.2m | 6.9% | $696.8m | 25.1% | +130 bps | +0.26 | ||
| Greenville-Anderson-Greer, SC | 24860 | SC | Major Metro | High | Established - Mature | $115.2m | 16.0% | $691.0m | 3.3% | +28 bps | +0.71 | ||
| Naples-Marco Island, FL | 34940 | FL | Secondary Metro | High | Pulling Back | $189.8m | 28.2% | $569.3m | 3.0% | -79 bps | +1.72 | ||
| Valdosta, GA | 46660 | GA | Small Metro | Medium | Entrenched Leader (consolidating) | $185.4m | 3.5% | $556.3m | 17.8% | -639 bps | -0.28 | ||
| Tuscaloosa, AL | 46220 | AL | Secondary Metro | Low | Entrenched Leader (consolidating) | $184.4m | 2.3% | $553.3m | 12.2% | -41 bps | -0.37 | ||
| Cleveland, TN | 17420 | TN | Small Metro | High | Entrenched Leader | $512.3m | 16.8% | $512.3m | 19.9% | +1,113 bps | +0.51 | ||
| Savannah, GA | 42340 | GA | Secondary Metro | High | Pulling Back | $150.9m | 3.1% | $452.8m | 5.7% | -88 bps | +0.85 | ||
| North Port-Bradenton-Sarasota, FL | 35840 | FL | Secondary Metro | High | Established - Mature | $73.5m | 8.3% | $441.3m | 1.5% | -131 bps | +1.73 | ||
| LaGrange, GA-AL | 29300 | GA | Micropolitan | High | Entrenched Leader | $214.0m | 7.3% | $428.0m | 26.8% | +15 bps | +0.47 | ||
| Tifton, GA | 45700 | GA | Micropolitan | Medium | Entrenched Leader (consolidating) | $410.3m | 2.2% | $410.3m | 31.3% | -291 bps | -0.01 | ||
| Sumter, SC | 44940 | SC | Small Metro | Low | Entrenched Leader (consolidating) | $195.5m | 3.1% | $391.0m | 32.9% | -340 bps | -0.37 | ||
| Cape Coral-Fort Myers, FL | 15980 | FL | Secondary Metro | High | Established - Mature | $95.9m | 33.9% | $383.7m | 1.7% | -78 bps | +1.41 | ||
| Tallahassee, FL | 45220 | FL | Secondary Metro | High | Established - Mature | $87.9m | 2.9% | $351.5m | 4.4% | +21 bps | +0.44 | ||
| Albany, GA | 10500 | GA | Small Metro | Low | Entrenched Leader (consolidating) | $175.7m | 3.2% | $351.4m | 13.2% | -283 bps | -0.45 | ||
| Calhoun, GA | 15660 | GA | Micropolitan | High | Entrenched Leader (consolidating) | $341.4m | 1.9% | $341.4m | 31.5% | -424 bps | +0.76 | ||
| Augusta-Richmond County, GA-SC | 12260 | GA | Secondary Metro | Medium | Established - Mature | $167.3m | 7.1% | $334.6m | 4.3% | +7 bps | -0.10 | ||
| Durham-Chapel Hill, NC | 20500 | NC | Secondary Metro | High | Expanding | $81.4m | 2.7% | $325.8m | 2.0% | +64 bps | +0.86 | ||
| Enterprise, AL | 21460 | AL | Micropolitan | High | Entrenched Leader | $308.3m | 10.3% | $308.3m | 27.7% | +378 bps | +0.86 | ||
| Thomasville, GA | 45620 | GA | Micropolitan | High | Entrenched Leader (consolidating) | $151.5m | 0.6% | $303.0m | 14.5% | -432 bps | +0.43 | ||
| Port St. Lucie, FL | 38940 | FL | Secondary Metro | High | Established - Mature | $94.0m | -4.4% | $281.9m | 2.1% | -84 bps | +2.00 | ||
| Punta Gorda, FL | 39460 | FL | Small Metro | High | Established - Mature | $93.5m | -7.2% | $280.6m | 4.9% | -287 bps | +2.33 | ||
| Spartanburg, SC | 43900 | SC | Secondary Metro | High | Established - Mature | $140.2m | 7.7% | $280.4m | 4.6% | +14 bps | +1.05 | ||
| Rome, GA | 40660 | GA | Small Metro | Medium | Entrenched Leader (consolidating) | $274.1m | 0.0% | $274.1m | 11.9% | -698 bps | -0.08 | ||
| Brunswick-St. Simons, GA | 15260 | GA | Small Metro | High | Entrenched Leader | $134.8m | -0.2% | $269.6m | 9.1% | -253 bps | +0.79 | ||
| Louisville/Jefferson County, KY-IN | 31140 | KY | Major Metro | Medium | New Entrant | $262.7m | 440.9% | $262.7m | 0.8% | +83 bps | +0.07 | ||
| Dalton, GA | 19140 | GA | Small Metro | Medium | Entrenched Leader | $127.5m | 2.5% | $255.0m | 8.4% | -118 bps | -0.13 | ||
| Albemarle, NC | 10620 | NC | Micropolitan | High | Entrenched Leader | $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 | $109.7m | -11.0% | $219.4m | 1.8% | -142 bps | +1.43 | ||
| Americus, GA | 11140 | GA | Micropolitan | Low | Entrenched Leader | $190.4m | 1.2% | $190.4m | 19.0% | -978 bps | -1.28 | ||
| Dothan, AL | 20020 | AL | Small Metro | Medium | Established - Mature | $189.4m | 10.7% | $189.4m | 5.5% | +49 bps | +0.19 | ||
| Bowling Green, KY | 14540 | KY | Small Metro | High | New Entrant | $172.9m | 54.5% | $172.9m | 4.4% | +442 bps | +0.99 | ||
| Shelbyville, TN | 43180 | TN | Micropolitan | High | Entrenched Leader | $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 | $55.9m | 6.4% | $167.7m | 2.6% | -55 bps | +1.39 | ||
| Hart County, Georgia | 13147 | GA | Rural | High | Entrenched Leader | $156.0m | 7.3% | $156.0m | 28.4% | +258 bps | +1.05 | ||
| Burlington, NC | 15500 | NC | Small Metro | High | Expanding | $143.3m | 16.0% | $143.3m | 5.3% | +257 bps | +0.73 | ||
| Macon-Bibb County, GA | 31420 | GA | Small Metro | Low | Expanding | $64.6m | 23.1% | $129.2m | 3.0% | +120 bps | -0.42 | ||
| Candler County, Georgia | 13043 | GA | Rural | Medium | Entrenched Leader | $122.4m | 9.8% | $122.4m | 42.7% | +432 bps | -0.04 | ||
| Ozark, AL | 37120 | AL | Micropolitan | Medium | Entrenched Leader | $113.7m | 6.7% | $113.7m | 26.4% | +367 bps | -0.07 | ||
| Lee County, South Carolina | 45061 | SC | Rural | Low | Entrenched Leader | $112.3m | 6.3% | $112.3m | 60.0% | +647 bps | -0.41 | ||
| Clarendon County, South Carolina | 45027 | SC | Rural | Medium | Entrenched Leader | $111.5m | 4.6% | $111.5m | 23.4% | -212 bps | +0.32 | ||
| Clewiston, FL | 17500 | FL | Micropolitan | High | Entrenched Leader | $99.9m | 2.6% | $99.9m | 15.1% | -225 bps | +1.22 | ||
| Florence, SC | 22500 | SC | Small Metro | Medium | Established - Mature | $95.9m | 1.3% | $95.9m | 2.8% | -76 bps | -0.19 | ||
| Kingsland, GA | 28680 | GA | Micropolitan | High | Entrenched Leader | $87.9m | 5.1% | $87.9m | 17.9% | -591 bps | +0.93 | ||
| Lynchburg, VA | 31340 | VA | Secondary Metro | Medium | Expanding | $85.5m | 48.0% | $85.5m | 4.6% | +381 bps | -0.14 | ||
| Palm Bay-Melbourne-Titusville, FL | 37340 | FL | Secondary Metro | High | New Entrant | $81.3m | -17.0% | $81.3m | 0.7% | -90 bps | +1.50 | ||
| Mobile, AL | 33660 | AL | Secondary Metro | Medium | Established - Mature | $73.5m | 0.8% | $73.5m | 0.7% | +10 bps | +0.11 | ||
| Asheville, NC | 11700 | NC | Secondary Metro | High | Established - Mature | $62.4m | 16.2% | $62.4m | 0.8% | +20 bps | +0.44 | ||
| Baltimore-Columbia-Towson, MD | 12580 | MD | Major Metro | Low | New Entrant | $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 | $46.2m | -15.2% | $46.2m | 0.8% | -66 bps | +1.22 | ||
| Daphne-Fairhope-Foley, AL | 19300 | AL | Secondary Metro | High | Established - Mature | $17.6m | -5.2% | $35.3m | 0.5% | -64 bps | +1.88 | ||
| Decatur, AL | 19460 | AL | Small Metro | Medium | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +0.23 | ||
| Dallas-Fort Worth-Arlington, TX | 19100 | TX | Major Metro | High | Limited-Service Foothold | — | —— | $0k | — | — | +0.88 | ||
| Evansville, IN | 21780 | IN | Secondary Metro | Medium | Limited-Service Foothold | — | —— | $0k | — | — | -0.22 | ||
| Greenville, NC | 24780 | NC | Small Metro | Medium | Limited-Service Foothold | — | —— | $0k | — | — | +0.13 | ||
| Los Angeles-Long Beach-Anaheim, CA | 31080 | CA | Major Metro | Low | Limited-Service Foothold | — | —— | $0k | — | — | -0.69 | ||
| Totals over 81 markets shown | $96.0bn | 142 counties · 428 offices |
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.
Every threshold, gate and vintage, generated with this bank’s own figures.
Pinnacle Financial Partners (35583 pro forma cert 873) · 81 markets · unfiltered