Adams County, Washington, a core county of the Moses Lake-Othello, WA market, holds $292M in deposits across 3 insured institutions and 5 branches. U.S. Bank National Association is the largest deposit holder at 50.9% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have fallen 11.5% since 2020 while the branch count fell by 3. It produces $1.1B of output, ranking #1,172 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 8 in 2020 to 5 in 2025. Institutions: 4 to 3. Top-three share: 92.3% to 100.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank National Association | $149M | 50.9% | -3% |
| Umpqua Bank | $103M | 35.4% | -32% |
| Glacier Bank | $40M | 13.8% | no 2020 presence |
The 3 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Moses Lake-Othello market
Adams County is one of 2 counties that make up the Moses Lake-Othello, WA market, a Combined Statistical Area (ranked #220 of 293 U.S. markets by economic output). It produces 13.9% of the market’s output and holds 14.7% of its deposits.
| Measure | Adams County | Share of Moses Lake-Othello market |
|---|---|---|
| 2024 GDP | $1.1B | 13.9% |
| Deposits | $292M | 14.7% |
| Population | 21,488 | 16.9% |
See the Moses Lake-Othello market in Market Intelligence →
Recruiting in Adams County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Adams County, on a retained basis.
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