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Supervision & Regulation


Florida Banking Market Definitions

The attached banking markets have been defined by the Research Department of the Federal Reserve Bank of Atlanta. Since these markets may be revised as new information becomes available or as additional analysis of these markets is performed, it is advisable to check with the Research Department before using these definitions.

(Revised June 7, 2012)

Banking Market
Description
Alachua County See Gainesville Area Banking Market
Baker County See Jacksonville Area Banking Market
Bay County See Panama City Area Banking Market
Belle Glade Area The towns of Belle Glade, Pahokee, and South Bay in Palm Beach County
Beverly Hills Area Citrus County less Citrus Springs
Blountstown-Bristol Area Calhoun and Liberty Counties
Bradford County Bradford County
Brevard County Brevard County
Broward County See Miami-Fort Lauderdale Area Banking Market
Calhoun County See Blountstown-Bristol Area Banking Market
Charlotte County See Punta Gorda Area and Sarasota Area Banking Markets
Citrus County See Beverly Hills Area and Ocala Area Banking Market
Clay County See Jacksonville Area Banking Market
Collier County See Naples Area and Fort Myers Area Banking Markets
Columbia County Columbia County
Dade County See Miami-Fort Lauderdale Area Banking Market
Daytona Beach Area Flagler County plus the towns of Allandale, Daytona Beach, Daytona Beach Shores, Edgewater, Holly Hill, New Smyrna Beach, Ormond Beach, Ormond-by-the-Sea, Pierson, Port Orange, and South Daytona in Volusia County, plus the town of Astor in Lake County
DeSoto County DeSoto County
Dixie County Dixie County
Duval County See Jacksonville Area Banking Market
Escambia County See Pensacola Area Banking Market
Flagler County See Daytona Beach Area Banking Market
Fort Myers Area Lee County less the towns located on Gasparilla Island plus the town of Immokalee in Collier County
Fort Pierce Area St. Lucie and Martin Counties less Indiantown and Hobe Sound in Martin County
Fort Walton Beach Area Okaloosa and Walton Counties plus the western half of Holmes County (including the town of Ponce de Leon)
Franklin County Franklin County
Gadsden County See Tallahassee Area Banking Market
Gainesville Area Alachua, Gilchrist, and Levy Counties
Gilchrist County See Gainesville Area Banking Market
Glades County See Moore Haven Area Banking Market
Gulf County See Panama City Area
Hamilton County Hamilton County
Hardee County Hardee County
Hendry County See Moore Haven Area and LaBelle Area Banking Markets
Hernando County See Tampa Bay Area Banking Market
Highlands County Highlands County
Hillsborough County See Tampa Bay Area Banking Market
Holmes County See Marianna Area and Fort Walton Beach Area Banking Markets
Indian River County Indian River County
Jackson County See Marianna Area Banking Market
Jacksonville Area Baker, Clay, Duval, and Nassau counties plus the towns of Fruit Cove, Ponte Vedra, Ponte Vedra Beach, Jacksonville, St. Johns, and Switzerland in St. Johns County plus the city of Folkston in Charlton County, GA
Jefferson County See Tallahassee Area Banking Market
Key Largo Area The northern third of the Florida Keys in Monroe County including Islamorada, Key Largo, Plantation Key and Tavernier
Key West Area The cities of Key West, Sugarloaf, Summerland Key, and Big Pine Key in Monroe County
LaBelle Area Hendry County less the town of Clewiston
Lafayette County Undefined
Lake County See North Lake/Sumter Area; Orlando Area and Daytona Beach Area Banking Markets
Lee County See Fort Myers Area and Sarasota Area Banking Markets
Leon County See Tallahassee Area Banking Market
Levy County See Gainesville Area Banking Market
Liberty County See Blountstown-Bristol Area Banking Market
Madison County Madison County
Manatee County See Sarasota Area Market
Marathon Area The towns of Marathon and Marathon Shores in Monroe County
Marianna Area Jackson County; plus the eastern half of Holmes County (including the towns of Bonifay and Westville); plus the northern half of Washington County (including the towns of Chipley and Caryville)
Marion County See Ocala Area Banking Market
Martin County See Fort Pierce Area and West Palm Beach Area Banking Markets
Miami-Fort Lauderdale Area Broward and Dade Counties
Monroe County See Key Largo Area, Key West Area and Marathon Area Banking Markets
Moore Haven Area Glades County plus the town of Clewiston in Hendry County
Naples Area Collier County minus the town of Immokalee
Nassau County See Jacksonville Area Banking Market
North Lake/Sumter Area Sumter County plus Lake County less the towns of Astor, Clermont, and Groveland
Ocala Area Marion County plus the town of Citrus Springs in Citrus County
Okaloosa County See Fort Walton Beach Area Banking Market
Okeechobee County Okeechobee County
Orange County See Orlando Area Banking Market
Orlando Area Orange, Osceola and Seminole Counties plus the western half of Volusia County, plus the towns of Clermont and Groveland in Lake County
Osceola County See Orlando Area Banking Market
Palatka Area Putnam County plus the Hastings Area of St. Johns County
Palm Beach County See Belle Glade Area and West Palm Beach Area Banking Markets
Panama City Area Bay County, Gulf County, plus the southern half of Washington County, including the towns of Vernon and Wausau
Pasco County See Tampa Bay Area Banking Market
Pensacola Area Escambia and Santa Rosa Counties
Pinellas County See Tampa Bay Area Banking Market
Polk County Polk County
Punta Gorda Area The portion of Charlotte County that is east of the harbor or the Myakka River plus that portion of Sarasota County that is both east of the Myakka River and south of Interstate 75 (currently the towns of Northport and Port Charlotte).
Putnam County See Palatka Area Banking Market
St. Augustine Area St. Johns County minus the Hastings Area, the towns of Fruit Cove, Ponte Vedra, Ponte Vedra Beach, Jacksonville, St. Johns, and Switzerland
St. Johns County See St. Augustine Area, Palatka Area and Jacksonville Area Banking Markets
St. Lucie County See Fort Pierce Area Banking Market
Santa Rosa County See Pensacola Area Banking Market
Sarasota Area Manatee and Sarasota Counties less that portion of Sarasota County that is both east of the Myakka River and south of Interstate 75 (currently the towns of Northport and Port Charlotte) plus the peninsular portion of Charlotte County west of the Myakka River (currently the towns of Englewood, Englewood Beach, New Point Comfort, Grove City, Cape Haze, Rotonda, Rotonda West and Placido), plus Gasparilla Island (the town of Boca Grande) in Lee County.
Sarasota County See Sarasota Area and Punta Gorda Area Banking Markets
Seminole County See Orlando Area Banking Market
Sumter County See North Lake/Sumter Area Banking Market
Suwanee County Suwanee County
Tallahassee Area Gadsden, Jefferson, Leon, and Wakulla Counties
Tampa Bay Area Hernando, Hillsborough, Pinellas, and Pasco Counties
Taylor County Taylor County
Union County Union County
Volusia County See Daytona Beach Area and Orlando Area Banking Markets
Wakulla County See Tallahassee Area Banking Market
Walton County See Fort Walton Beach Area Banking Market
Washington County See Marianna Area and Panama City Area Banking Markets
West Palm Beach Area Palm Beach County east of Loxahatchee plus the towns of Indiantown and Hobe Sound in Martin County

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