US Bank Directory
Banks in Santa Rosa Beach, FL
11 FDIC-insured banks operate 15 offices in Santa Rosa Beach, Florida, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Santa Rosa Beach
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: 12 banks and credit unions operate 16 locations in Santa Rosa Beach, according to the FDIC and the NCUA. 16 of them have coordinates on record and are on the map. 3 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
16 locations on the map
Tap a cluster to zoom in
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 and credit unions in Santa Rosa Beach
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: Trustmark has the most locations in Santa Rosa Beach, with 4. It is followed by Centennial Bank (2). 9 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.
Trustmark Bank · 4
Trustmark has 4 branches in Santa Rosa Beach, 16 across Florida and 181 nationwide. FDIC records list its main office in Jackson, MS and show it operating since 1889. With $19.19 billion in total assets on June 30, 2026, it ranks No. 109 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Santa Rosa Beach location is the Banktrust Florida Branch at Mack Bayou Road And U.S. Highway 98, dating to 1987; the newest, at 1884 S County Highway 393, to 2002. It does not publish hours in the sources this page uses; check its site before you go.
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Gulf Place Branch1884 S County Highway 393, 32459
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Seagrove Beach Branch4003 E County Highway 30a, 32459
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Messenger Service Branch7700 Us Highway 98 W, 32459
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Banktrust Florida BranchMack Bayou Road And U.S. Highway 98, 32459
Centennial Bank Bank · 2
Centennial Bank has 2 branches in Santa Rosa Beach, 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. In FDIC branch records, its longest-running Santa Rosa Beach location is the Santa Rosa Beach Branch at 321 S County Highway 393, dating to 2005; the newest, at 3921 E County Highway 30a, to 2013. It does not publish hours in the sources this page uses; check its site before you go.
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Santa Rosa Beach Branch321 S County Highway 393, 32459
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Seagrove Branch3921 E County Highway 30a, 32459
All In Credit Union Credit union · 1
All In Credit Union has 1 office in Santa Rosa Beach, 6 across Florida. It is based in Daleville, AL and $3.72 billion in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Santa Rosa Beach4379 West U.S. Hwy 98, 32459
All hours
Mon to Fri 8:30 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Bank of England Bank · 1
Bank of England has 1 branch in Santa Rosa Beach, 11 across Florida and 151 nationwide. FDIC records list its main office in England, AR and show it operating since 1898. With $332.3 million in total assets on June 30, 2026, it ranks No. 2,339 of 4,232 U.S. banks by total assets. The Bank Of England Mortgage at 5410 E County Hwy 30-A, Suite 203 dates to 2018 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Bank Of England Mortgage5410 E County Hwy 30-A, Suite 203, 32459
Capital City Bank Bank · 1
Capital City Bank has 1 branch in Santa Rosa Beach, 53 across Florida and 67 nationwide. FDIC records list its main office in Tallahassee, FL and show it operating since 1907. With $4.45 billion in total assets on June 30, 2026, it ranks No. 313 of 4,232 U.S. banks by total assets. The Dune Lakes Branch at 116 Mc Davis Blvd Suite 300 dates to 2022 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Dune Lakes Branch116 Mc Davis Blvd Suite 300, 32459
First Security Bank Bank · 1
First Security Bank has 1 branch in Santa Rosa Beach, 1 across Florida and 81 nationwide. FDIC records list its main office in Searcy, AR and show it operating since 1932. With $8.58 billion in total assets on June 30, 2026, it ranks No. 189 of 4,232 U.S. banks by total assets. The Santa Rosa Beach Branch at 151 East County Highway 30a dates to 2024 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Santa Rosa Beach Branch151 East County Highway 30a, 32459
Hancock Whitney Bank · 1
Hancock Whitney has 1 branch in Santa Rosa Beach, 38 across Florida and 186 nationwide. FDIC records list its main office in Gulfport, MS and show it operating since 1899. With $36.33 billion in total assets on June 30, 2026, it ranks No. 60 of 4,232 U.S. banks by total assets. The Santa Rosa Branch at 111 N County Highway 393 Bldg 1 dates to 2005 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Santa Rosa Branch111 N County Highway 393 Bldg 1, 32459
Regions Bank Bank · 1
Regions Bank has 1 branch in Santa Rosa Beach, 270 across Florida and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The Seagrove Beach Branch at 2587 S County Highway 395 dates to 2000 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Seagrove Beach Branch2587 S County Highway 395, 32459
Renasant Bank · 1
Renasant has 1 branch in Santa Rosa Beach, 26 across Florida and 266 nationwide. FDIC records list its main office in Tupelo, MS and show it operating since 1904. With $26.99 billion in total assets on June 30, 2026, it ranks No. 80 of 4,232 U.S. banks by total assets. The Santa Rosa Beach Branch at 1727 S County Highway 393 dates to 2019 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Santa Rosa Beach Branch1727 S County Highway 393, 32459
Truist Bank · 1
Truist has 1 branch in Santa Rosa Beach, 441 across Florida and 1,931 nationwide. FDIC records list its main office in Charlotte, NC and show it operating since 1872. With $548.35 billion in total assets on June 30, 2026, it ranks No. 9 of 4,232 U.S. banks by total assets. The Watercolor Crossings Branch at 49 Watercolor Way dates to 2005 in FDIC branch records. Its published hours do not list Saturday.
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Watercolor Crossings Branch49 Watercolor Way, 32459
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun closed
Hours: Truist branch locator (All The Places), checked Oct 10, 2026
United Community Bank · 1
United Community has 1 branch in Santa Rosa Beach, 21 across Florida and 190 nationwide. FDIC records list its main office in Greenville, SC and show it operating since 1950. With $28.99 billion in total assets on June 30, 2026, it ranks No. 73 of 4,232 U.S. banks by total assets. The Santa Rosa Beach Branch at 3063 Us Highway 98 W dates to 2020 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Santa Rosa Beach Branch3063 Us Highway 98 W, 32459
Wells Fargo Bank · 1
Wells Fargo has 1 branch in Santa Rosa Beach, 458 across Florida and 4,161 nationwide. FDIC records list its main office in Sioux Falls, SD and show it operating since 1870. With $1.91 trillion in total assets on June 30, 2026, it ranks No. 4 of 4,232 U.S. banks by total assets. The Santa Rosa Beach Branch at 2010 Us Highway 98 W dates to 2007 in FDIC branch records. Its published hours do not list Saturday.
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Santa Rosa Beach Branch2010 Us Highway 98 W, 32459
All hours
Mon to Fri 9 am to 5 pm; Sat to Sun not published
Hours: Wells Fargo branch locator (All The Places), checked Oct 10, 2026
Join a credit union in Santa Rosa Beach
1 credit union has 1 office here: All In Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Santa Rosa Beach page has every office in the state's directory.
Banking in Santa Rosa Beach: the local picture
Short answer: 11 banks run 15 branches in Santa Rosa Beach 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 11 banks, 0 have their main office in Santa Rosa Beach, 1 elsewhere in Florida and 10 out of state, according to the FDIC.
The bank with the longest record here is Wells Fargo, operating since 1870 according to the FDIC. In FDIC branch records, the longest-running branch is Trustmark's office at Mack Bayou Road And U.S. Highway 98, dating to 1987; the newest is First Security Bank's at 151 East County Highway 30a, from 2024.
The only credit union with an office here is All In Credit Union.
Of the 3 locations with published hours. None open on Saturday. 13 locations have no published hours in these sources.
Saturday hours in Santa Rosa Beach
Short answer: None of the 3 Santa Rosa Beach locations with published hours lists Saturday hours. 13 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 13 of the 16 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Santa Rosa Beach, and where the nearest one is if they do not.
Short answer: In Santa Rosa Beach: Wells Fargo (1), Truist (1), Regions Bank (1). No branches in Santa Rosa Beach: Chase (nearest in Tallahassee, 112 mi), Bank of America (nearest in Niceville, 18 mi), PNC Bank (nearest in Destin, 16 mi), U.S. Bank (nearest in Sarasota, 303 mi), Fifth Third Bank (nearest in Newberry, 225 mi), Huntington (nearest in Miramar Beach, 14 mi), TD Bank (nearest in Live Oak, 190 mi), BMO (nearest in Tampa, 279 mi).
| Bank | In Santa Rosa Beach | Nearest branch if none here |
|---|---|---|
| Wells Fargo | 1 branch | here |
| Truist | 1 branch | here |
| Regions Bank | 1 branch | here |
| Chase | None | Tallahassee, 112 miles away |
| Bank of America | None | Niceville, 18 miles away |
| PNC Bank | None | Destin, 16 miles away |
| U.S. Bank | None | Sarasota, 303 miles away |
| Fifth Third Bank | None | Newberry, 225 miles away |
| Huntington | None | Miramar Beach, 14 miles away |
| TD Bank | None | Live Oak, 190 miles away |
| BMO | None | Tampa, 279 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Santa Rosa Beach 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%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
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 Santa Rosa Beach residents like anyone else.
Banks near Santa Rosa Beach
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Freeport (10 miles) and Miramar Beach (11 miles). Destin, 16 miles away, has the most banks nearby: 16.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Freeport, FL | 10 mi | 4 | 4 |
| Banks in Miramar Beach, FL | 11 mi | 5 | 5 |
| Banks in Destin, FL | 16 mi | 16 | 20 |
| Banks in Inlet Beach, FL | 17 mi | 2 | 2 |
| Banks in Niceville, FL | 21 mi | 11 | 12 |
| Banks in Panama City Beach, FL | 22 mi | 11 | 20 |
| Banks in Shalimar, FL | 26 mi | 2 | 2 |
| Banks in Defuniak Springs, FL | 26 mi | 6 | 6 |
Bank branch openings and closings in Santa Rosa Beach
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Santa Rosa Beach between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Largest banks in Santa Rosa Beach by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Santa Rosa Beach offices.
Short answer: Wells Fargo is the largest bank with offices in Santa Rosa Beach, with $1.91 trillion in total assets on June 30, 2026, No. 4 among U.S. banks by total assets. Truist is second with $548.35 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| Wells Fargo | $1.91 trillion | No. 4 | 1 | Sioux Falls, SD |
| Truist | $548.35 billion | No. 9 | 1 | Charlotte, NC |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Hancock Whitney | $36.33 billion | No. 60 | 1 | Gulfport, MS |
| United Community | $28.99 billion | No. 73 | 1 | Greenville, SC |
| Renasant | $26.99 billion | No. 80 | 1 | Tupelo, MS |
| Centennial Bank | $24.55 billion | No. 89 | 2 | Conway, AR |
| Trustmark | $19.19 billion | No. 109 | 4 | Jackson, MS |
| First Security Bank | $8.58 billion | No. 189 | 1 | Searcy, AR |
| Capital City Bank | $4.45 billion | No. 313 | 1 | Tallahassee, FL |
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 Santa Rosa Beach: FAQ
How many banks are in Santa Rosa Beach, FL?
Santa Rosa Beach has 11 banks with 15 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Santa Rosa Beach?
Trustmark, with 4. Centennial Bank has 2 and Wells Fargo has 1.
Is there a Trustmark in Santa Rosa Beach, FL?
Yes. FDIC data lists 4 Trustmark branches in Santa Rosa Beach as of September 5, 2026. Its branches are listed under Trustmark above, with the address and directions for each.
Is there a Centennial Bank in Santa Rosa Beach, FL?
Yes. FDIC data lists 2 Centennial Bank branches in Santa Rosa Beach as of September 5, 2026. Its branches are listed under Centennial Bank above, with the address and directions for each.
Is there a Wells Fargo in Santa Rosa Beach, FL?
Yes. FDIC data lists 1 Wells Fargo branch in Santa Rosa Beach as of September 5, 2026. The address and directions are under Wells Fargo above.
Is there a Chase in Santa Rosa Beach, FL?
No. FDIC data lists no Chase branch in Santa Rosa Beach as of September 5, 2026. The nearest is in Tallahassee, about 112 miles away in a straight line.
Which banks in Santa Rosa Beach are open on Saturday?
None of the 3 locations with published hours lists Saturday hours. 13 locations do not publish hours in our sources; call ahead.
What is the oldest bank in Santa Rosa Beach?
Wells Fargo has the longest record among banks with a branch here: the FDIC shows it operating since 1870.
Which credit unions can I join in Santa Rosa Beach?
All In Credit Union has an office in Santa Rosa Beach. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Santa Rosa Beach in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Santa Rosa Beach?
Nearby cities with more banks include Freeport, Miramar Beach, Destin. Freeport is 10 miles away with 4 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (2 of 15 branches: Truist, Wells Fargo) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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