In uncertain times, clients expect their banks to provide guidance and support to help navigate economic change. With a region-centric model, Fifth Third is doubling down on its commitment to Georgia and Alabama to support local communities in these markets. In an interview with Focus:, Randy Koporc, regional president and CEO for Fifth Third Bank, highlights the bank’s growth strategy in Georgia and Alabama and its continued commitment to helping clients navigate a challenging economic climate.
What is the state of Fifth Third Bank’s Georgia market operations and strategy?
Fifth Third is experiencing meaningful growth in the Southeast, and our expansion across the region is a major part of that story. By next year, we expect to add approximately 60 new retail branch locations, underscoring our long-term commitment to serving clients in these high-growth markets.
This is an especially exciting moment as many peers are scaling back their physical footprints. Our continued investment in branches allows Fifth Third to capture additional market share in Atlanta and beyond, but our strategy is driven by more than growth. Our data consistently shows that clients value in-person engagement. There is a high level of confidence and comfort that comes from being able to meet face-to-face with our clients when making important financial decisions.
At the same time, we pair this personal service with a first-class digital platform. In fact, J.D. Power recently recognized Fifth Third for delivering the best mobile banking app experience among regional banks in its 2025 U.S. Banking Mobile App Satisfaction Study℠.
When clients visit our financial centers, they won’t find traditional teller lines or closed-door offices. Instead, they experience an open, modern environment designed for real-time support and meaningful interaction. Clients consistently tell us they value this differentiated model, which also allows for a smaller, more efficient footprint. We no longer need large, legacy-style branches; our highly efficient locations enable us to deploy capital more effectively while expanding to meet client demand.
Of course, none of this works without the right people. Talent plays a critical role in the timing and success of our strategy. Our teams understand the market, the community, and the needs of our clients, and they are central to delivering the best solutions every day.
What recent successes have impacted the organization the most?
One of our greatest successes has been our ability to attract exceptional talent to the organization. That strength was especially evident during our expansion into the Alabama market, which has quickly become a significant growth story for us. Over the last 18 months, we have established a loan production office, a private bank office, and two financial centers in the state. This year, we are building on that momentum with five additional financial centers opening in Huntsville and Birmingham.
Our strategy is powered not only by great people but also by a disciplined, data-driven approach. We rely heavily on advanced analytics to understand consumer behavior, identify emerging opportunities, and determine precisely where to position new branches for maximum impact. Alabama is a standout example of how leveraging those insights leads to smart growth and successful market expansion.
What role do ethics and governance play in the bank’s overall strategy?
Our model is intentionally region-centric, meaning decisions that impact clients in Georgia and Alabama are made by leaders who live and work in these communities. With that local decision-making comes a deep responsibility to ensure the customer remains at the center of everything we do. We evaluate every choice through that lens, always asking what is in the best interest of the client.
We are committed to fostering a culture where every employee plays a role in protecting clients and prioritizing their needs. That commitment shows up in many ways – whether through continued investments in cybersecurity to safeguard sensitive information or through the disciplined management of client assets to ensure they align with long-term goals. This shared sense of accountability is core to how we operate and central to the trust our clients place in us.
What challenges are the company tracking, and how are you navigating potential headwinds?
There will always be uncertainties in the market, and helping clients navigate those moments is a key way we add value. Our focus is on providing clarity through thoughtful analysis, data, and insights so clients fully understand the environment they’re operating in and can make confident, informed decisions. That support may include product recommendations or guidance that helps them better manage their businesses or personal financial situations.
Our diversified suite of services also positions us well to manage uncertainty as an organization. Ultimately, our responsibility is to stay ahead of emerging trends, anticipate client needs, and serve as a trusted resource they can rely on, no matter how the market shifts.
What is the outlook for Fifth Third Bank and the banking industry in the coming years?
The outlook for Fifth Third is exceptionally strong. We have built a resilient culture and a leadership team that deeply understands the connection between engaged employees and the experience we deliver to customers. Our strategic focus centers on three core principles to include stability, profitability, and growth. Together, these guide how we operate through economic cycles, maintain resilience, deliver value to shareholders, and support the evolving needs of our clients.
Our significant investment in the Southeast, particularly in Georgia and Alabama, underscores the growth component of that framework. This region represents tremendous opportunity, and our continued expansion reflects both market demand and our long-term commitment to these communities.
We also completed the acquisition of Comerica Bank, a milestone that further strengthens our competitive position. This step expands our reach, enhances our capabilities, and deepens our expertise, ultimately allowing us to build a stronger bank for our customers, our employees, and the communities we serve.







