Banks in Apalachicola, FL

Bank branch map: Apalachicola

Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.

Short answer: 2 banks and credit unions operate 2 locations in Apalachicola, according to the FDIC. 2 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.

All banks in Apalachicola

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Centennial Bank and PeoplesSouth Bank have the most locations in Apalachicola, with 1 each. 2 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.

Centennial Bank 1 branch · main office Conway, AR Bank · 1

Centennial Bank has 1 branch in Apalachicola, 88 across Florida and 243 nationwide. FDIC records list its main office in Conway, AR and show it operating since 1903. With $24.55 billion in total assets on June 30, 2026, it ranks No. 89 of 4,232 U.S. banks by total assets. The Apalachicola Branch at 22 Avenue E dates to 2004 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Apalachicola Branch

  22 Avenue E, 32320

  Hours: see the bank's site
  DirectionsWebsite

Centennial Bank: profile, branches and contacts

PeoplesSouth Bank 1 branch · main office Colquitt, GA Bank · 1

PeoplesSouth Bank has 1 branch in Apalachicola, 14 across Florida and 33 nationwide. FDIC records list its main office in Colquitt, GA and show it operating since 1973. With $1.21 billion in total assets on June 30, 2026, it ranks No. 886 of 4,232 U.S. banks by total assets. The Apalachicola Branch at 58 4th St dates to 1956 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Apalachicola Branch

  58 4th St, 32320

  Hours: see the bank's site
  DirectionsWebsite

PeoplesSouth Bank: profile, branches and contacts

Banking in Apalachicola: the local picture

Short answer: 2 banks run 2 branches in Apalachicola according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.

Of the 2 banks, 0 have their main office in Apalachicola and 2 out of state, according to the FDIC.

The bank with the longest record here is Centennial Bank, operating since 1903 according to the FDIC. In FDIC branch records, the longest-running branch is PeoplesSouth Bank's office at 58 4th St, dating to 1956; the newest is Centennial Bank's at 22 Avenue E, from 2004.

None of the 2 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Apalachicola, and where the nearest one is if they do not.

Short answer: No branches in Apalachicola: Chase (nearest in Tallahassee, 64 mi), Wells Fargo (nearest in Panama City, 52 mi), Bank of America (nearest in Tallahassee, 64 mi), PNC Bank (nearest in Destin, 98 mi), U.S. Bank (nearest in Sarasota, 222 mi), Truist (nearest in Panama City, 52 mi), Fifth Third Bank (nearest in Newberry, 150 mi), Huntington (nearest in Panama City, 52 mi), Regions Bank (nearest in Callaway, 47 mi), TD Bank (nearest in Live Oak, 126 mi), BMO (nearest in Tampa, 196 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Apalachicola to the nearest branch in Florida.

What your savings could earn

National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.

Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.

Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Apalachicola residents like anyone else.

Banks near Apalachicola

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are Port Saint Joe (20 miles) and Crawfordville (49 miles). Panama City, 53 miles away, has the most banks nearby: 18.

Bank branch openings and closings in Apalachicola

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Apalachicola between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Largest banks in Apalachicola by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Apalachicola offices.

Short answer: Centennial Bank is the largest bank with offices in Apalachicola, with $24.55 billion in total assets on June 30, 2026, No. 89 among U.S. banks by total assets. PeoplesSouth Bank is second with $1.21 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.

Banks in Apalachicola: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.