Florida / Economic data / Bank deposits / Bay
Bay County bank deposits
Deposits booked at FDIC insured offices in Bay County every June 30 since 1994, from the FDIC Summary of Deposits: the county, each city the banks report, and each ZIP code, with offices opened and closed by year. Consumer spending in Bay County.
Economic data
Bank deposits, June 30FDIC Summary of Deposits June 30, 2026: $4,736,951,000 +6.2% nominal, +2.9% real
Deposits book at the office where the account is domiciled, a choice each bank makes, so one office or ZIP code can carry a region's deposits. Trends and office counts are the reliable read; a single year's figure for one place is not.
By year
| As of | Deposits | Change | Change, real | Offices | Institutions | Opened | Closed |
|---|---|---|---|---|---|---|---|
| June 30, 2026 | $4,736,951,000 | +6.2% | +2.9% | 51 | 18 | 1 | 1 |
| June 30, 2025 | $4,460,273,000 | -1.5% | -3.7% | 51 | 18 | 2 | 3 |
| June 30, 2024 | $4,526,953,000 | -2.8% | -5.5% | 52 | 19 | 2 | 2 |
| June 30, 2023 | $4,655,820,000 | +2.8% | -0.4% | 52 | 19 | 3 | 2 |
| June 30, 2022 | $4,528,346,000 | +8.2% | -1.5% | 51 | 18 | 1 | 0 |
| June 30, 2021 | $4,184,572,000 | +7.1% | +1.2% | 50 | 17 | 1 | 2 |
| June 30, 2020 | $3,908,552,000 | +7.5% | +7.2% | 51 | 17 | 3 | 1 |
| June 30, 2019 | $3,637,010,000 | +24.6% | +23.2% | 49 | 17 | 1 | 2 |
| June 30, 2018 | $2,919,748,000 | +5.7% | +2.9% | 50 | 17 | 1 | 0 |
| June 30, 2017 | $2,762,662,000 | +7.9% | +6.3% | 49 | 16 | 3 | 4 |
| June 30, 2016 | $2,560,320,000 | +5.2% | +4.4% | 50 | 14 | 3 | 7 |
| June 30, 2015 | $2,432,908,000 | -9.6% | -9.5% | 54 | 16 | 4 | 5 |
| June 30, 2014 | $2,690,898,000 | +8.3% | +5.9% | 55 | 16 | 1 | 4 |
| June 30, 2013 | $2,484,480,000 | +0.8% | -1.1% | 58 | 15 | 1 | 7 |
| June 30, 2012 | $2,465,482,000 | -3.7% | -5.3% | 64 | 17 | 0 | 2 |
| June 30, 2011 | $2,559,859,000 | +6.8% | +2.8% | 66 | 19 | 7 | 3 |
| June 30, 2010 | $2,397,309,000 | -3.0% | -3.9% | 62 | 18 | 7 | 12 |
| June 30, 2009 | $2,472,225,000 | +3.3% | +4.8% | 67 | 19 | 2 | 3 |
| June 30, 2008 | $2,392,106,000 | -1.4% | -6.3% | 68 | 20 | 12 | 5 |
| June 30, 2007 | $2,425,287,000 | +0.1% | -2.6% | 61 | 18 | 6 | 1 |
| June 30, 2006 | $2,423,246,000 | -5.7% | -9.8% | 56 | 17 | 5 | 1 |
| June 30, 2005 | $2,570,478,000 | +21.7% | +18.5% | 52 | 16 | 8 | 3 |
| June 30, 2004 | $2,112,637,000 | +17.1% | +13.4% | 47 | 14 | 2 | 0 |
| June 30, 2003 | $1,804,742,000 | +17.7% | +15.2% | 45 | 12 | 4 | 1 |
| June 30, 2002 | $1,533,329,000 | +5.0% | +4.2% | 42 | 10 | 4 | 6 |
| June 30, 2001 | $1,460,656,000 | +1.8% | -1.0% | 44 | 11 | 1 | 6 |
| June 30, 2000 | $1,435,087,000 | +7.9% | +4.1% | 49 | 12 | 3 | 0 |
| June 30, 1999 | $1,330,488,000 | +5.2% | +3.5% | 46 | 11 | 1 | 4 |
| June 30, 1998 | $1,265,285,000 | +7.2% | +5.8% | 49 | 12 | 4 | 2 |
| June 30, 1997 | $1,180,602,000 | -0.6% | -2.5% | 47 | 12 | 7 | 3 |
| June 30, 1996 | $1,187,885,000 | +9.5% | +6.0% | 43 | 11 | 1 | 0 |
| June 30, 1995 | $1,084,812,000 | +6.6% | +3.4% | 42 | 10 | 2 | 1 |
| June 30, 1994 | $1,017,942,000 | n/a | n/a | 41 | 10 | n/a | n/a |
Real change deflates each June by that month's consumer price index, in dollars of June 2026. An office opened in a year when its FDIC office number is in the area that June 30 and was not the June before, and closed when the reverse holds. An office that moves or is renumbered after a merger counts as a closure and an opening. Through 2010 the FDIC file leaves the office number blank for some offices; those are followed by bank and branch number instead, which a merger resets.
Cities, as of June 30, 2026
City is the city the bank reports for each office, with spellings folded together by rule, not a municipal boundary. Each city has its own page with every office.
| City | Deposits | Change | Offices | Institutions | Opened | Closed |
|---|---|---|---|---|---|---|
| Panama City | $2,682,340,000 | +11.8% | 25 | 18 | 1 | 1 |
| Panama City Beach | $1,420,179,000 | -3.7% | 18 | 11 | 0 | 0 |
| Lynn Haven | $427,348,000 | +11.7% | 5 | 5 | 0 | 0 |
| Callaway | $84,807,000 | +5.8% | 1 | 1 | 0 | 0 |
| Parker | $76,437,000 | -1.5% | 1 | 1 | 0 | 0 |
| Mexico Beach | $45,840,000 | -3.3% | 1 | 1 | 0 | 0 |
No office as of June 30, 2026, with the last June 30 that had one: Southport (last office 2015), Springfield (last office 1998), Tyndall Air Force Base (last office 2015).
ZIP codes, as of June 30, 2026
| ZIP code | Deposits | Change | Offices | Institutions | Opened | Closed |
|---|---|---|---|---|---|---|
| 32405 | $1,883,636,000 | -1.3% | 17 | 15 | 1 | 1 |
| 32407 | $1,043,967,000 | -7.1% | 13 | 12 | 0 | 0 |
| 32401 | $471,660,000 | +215.5% | 3 | 3 | 0 | 0 |
| 32444 | $427,348,000 | +11.7% | 5 | 5 | 0 | 0 |
| 32408 | $398,023,000 | +2.9% | 4 | 4 | 0 | 0 |
| 32413 | $292,387,000 | +0.1% | 5 | 5 | 0 | 0 |
| 32404 | $174,090,000 | +2.8% | 3 | 3 | 0 | 0 |
| 32456 | $45,840,000 | -3.3% | 1 | 1 | 0 | 0 |
No office as of June 30, 2026, with the last June 30 that had one: 32402 (last office 2002), 32403 (last office 2015), 32406 (last office 2022), 32409 (last office 2015), 32410 (last office 2009), 32411 (last office 2003), 32417 (last office 1997).
FDIC Summary of Deposits, every office in Bay County, June 30 1994 to June 30, 2026. Deposits in dollars (thousands in the source). Real figures use the South Region CPI for June of each year.
Sources on this page
- Federal Deposit Insurance Corporation: Summary of Deposits, deposits by office as of June 30 each year, 1994 to the latest survey, with the FDIC state and county tables every year must add up to. Deposits book at the office where the account is domiciled, a choice each bank makes, so one office or ZIP code can carry a region's deposits. Trends and office counts are the reliable read; a single year's figure for one place is not. Sources and methods.
Download the data
Bay County deposits workbook Statewide deposits workbook
The county workbook lists every office in every June 30 survey with its address, coordinates and deposits, and the county, city and ZIP code rollups by year. The statewide workbook has every county, city and ZIP code, the FDIC state table and the city spellings.