The following 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 August 10, 2016
| 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 | Lafayette County |
| 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 |