Which banks are really competing for your bankers?
Not every bank in town. A commercial lender's book travels up the size ladder
easily and down it badly, so the banks that can take your people, and the banks your next hire is
sitting in today, are set by size as much as by geography. Filter both and see the set that actually
matters.
Alabama and Florida, every bank, every market, straight from
the FDIC's quarterly filings. No bank is characterized here, including yours: this is the market, not a read
on anybody in it.
Pick a market and a bank size. Every number below is the median for the banks you selected.
change either control and watch what moves.
What the numbers say
The banks in this selection
Every figure is the median for the banks you have selected. Public filings only.
How to read it
Three things the map tells you that a résumé cannot.
Who is stuck
A bank past CRE guidance is declining deals its own lenders
sourced. Those lenders are the most movable people in any market, and they rarely advertise it.
Who is distracted
An integration moves titles, territories and systems.
The window is roughly twelve to twenty-four months after close, and then it shuts.
Where you actually win
Your own filings decide the pitch. A larger lending
limit or a cleaner CRE position is a concrete reason for somebody to move, and it is checkable.
The pool
What this market is made of
The analysis is the part
you sign for. We take this same market and read your bank against it: against the banks you actually
compete with for people, not the ones that merely share a zip code. Out of that we build a ranked list of
candidates.
You read that list and strike off
anyone you do not want approached, before a single call is made. Most recruiters never show it to you at all.
Why you need both: secured lending limit in Huntsville
All 37 Huntsville banks blended together
$66.2M
Under $120M · 8 banks
$7.2M
$120M – $308M · 1 bank
withheld
$308M – $810M · 7 banks
$13.2M
$810M and up · 21 banks
$399.4M
The blended $66.2M describes no bank in Huntsville. The real market runs from
$7.2M to $399.4M, fifty-five times over, and a banker at one end has never approved a credit
the other end considers routine. Market alone is too coarse to be useful; size alone ignores
where someone can actually work. The middle row is the disclosure floor doing its job: one
bank is not a market, so nothing is reported.
How to read the numbers
→
Every figure is a median, and that matters more here
than in most data. The median is the middle bank in the group; an average would be the
sum divided by the count. Because these cohorts are sized by presence in one state,
a global bank can sit beside a two-branch community bank. In Huntsville's under-$120M cohort
the average bank holds $38.75B in assets and employs 3,726 people, because a
national bank with a small Alabama footprint is in it. The median bank holds $0.27B
and employs 70. One of those describes a real Huntsville bank and the other describes
nothing.
→
Size is measured where the bankers are, not
nationally. A bank's tier comes from the deposits it holds in the state you picked,
because a lender's book travels by what the bank can do here. It is also why
Alabama and Florida have their own tiers. Florida's market is several times larger, and one
shared set of boundaries would drop every Alabama bank into the bottom bucket.
→
The lending limit shown is the secured figure, and
the rate is not the same in both states. It follows where the bank is chartered,
not where the branch is. A national charter gets 25% of capital, and so does a Florida
charter under Fla. Stat. 658.48. An Alabama charter gets 20% under Ala. Code 5-5A-22. The
unsecured limit is roughly half in each case, and is not what a banker means by "my limit".
For the banks here chartered in neither state we apply the more conservative 20%, so those
may be understated. If a candidate's largest relationship is bigger than the figure shown,
they cannot bring it without a participation.