Market Intelligence

Alameda County, CA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Alameda County, California, a core county of the San Jose-San Francisco-Oakland, CA market, holds $66.8B in deposits across 37 insured institutions and 237 branches. Wells Fargo Bank, National Association is the largest deposit holder at 22.1% share. The top three banks hold 62% of deposits, which places the county in the Concentrated band. Deposits have grown 9.9% since 2020 while the branch count fell by 13.8%. It produces $149.1B of output, ranking #20 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$149.1B
#20 of 1,523
Population
1,636,630
#22 of 1,523
GDP per Capita
$91,086
#76 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$66.8B
#43 of 1,523
Deposits per Capita
$40,819
#173 of 1,523
Deposits per Branch
$282M
#54 of 1,523
Competitive structure
Insured Institutions
37
#51 of 1,523
Branches per 100k Pop.
14.5
#1,316 of 1,523
Median Deposits per Institution
$328M
The median deposits booked by a single institution in the county. #132 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
21.3%
of county deposits held by banks with $100M to $100B in assets. #1,431 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
62%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2020 to 2025)+9.9% over 5 years
$60.8B
2020
$67.6B
2021
$72.1B
2022
$67.0B
2023
$66.0B
2024
$66.8B
2025

Branches: 275 in 2020 to 237 in 2025. Institutions: 39 to 37. Top-three share: 62% to 62%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$14.8B22.1%35-6%
JPMorgan Chase Bank$13.7B20.5%40+34%
Bank of America$12.7B19.0%29-3%
Citibank$5.0B7.4%19+28%
Fremont Bank$3.7B5.6%14+11%
U.S. Bank$2.9B4.3%18-18%
East West Bank$2.5B3.7%5+123%
BMO Bank$2.2B3.3%20-16%
Western Alliance Bank$1.5B2.3%1+147%
PNC Bank$924M1.4%2+939%
Beneficial State Bank$853M1.3%1+58%
Cathay Bank$822M1.2%4+19%
Mechanics Bank$670M1.0%4-10%
Poppy Bank$469M0.7%3+214%
Heritage Bank of Commerce$433M0.6%4-5%
United Business Bank$414M0.6%4+14%
Bank of Marin$351M0.5%3+22%
Commercial Bank of California$350M0.5%1no 2020 presence
Zions Bancorporation$328M0.5%3-24%
HSBC Bank USA$312M0.5%1-67%
Comerica Bank$221M0.3%5-4%
Gateway Bank, F.S.B.$216M0.3%1+93%
State Bank of India (California)$203M0.3%1+110%
City National Bank$188M0.3%2-18%
Bank of the Orient$145M0.2%1+49%
Summit Bank$142M0.2%2-24%
Hanmi Bank$141M0.2%1no 2020 presence
Metropolitan Bank$131M0.2%2+46%
Industrial and Commercial Bank of China USA$93M0.1%1-10%
EverBank$62M0.1%2no 2020 presence
California Pacific Bank$56M0.1%2+627%
Westamerica Bank$48M0.1%1-10%
First Commercial Bank (USA)$46M0.1%1+120%
Golden Bank$44M0.1%1no 2020 presence
Farmers & Merchants Bank of Central California$41M0.1%1no 2020 presence
First Federal Savings and Loan Association of San Rafael$40M0.1%1+63%
First Foundation Bank$22M<0.1%1-71%

The 37 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the San Jose-San Francisco-Oakland market

Alameda County is one of 13 counties that make up the San Jose-San Francisco-Oakland, CA market, a Combined Statistical Area (ranked #3 of 293 U.S. markets by economic output). It produces 12.3% of the market’s output and holds 9.9% of its deposits.

MeasureAlameda CountyShare of parent market
2024 GDP$149.1B12.3%
Deposits$66.8B9.9%
Population1,636,63017.9%

View the full San Jose-San Francisco-Oakland market profile →

Recruiting in Alameda 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 Alameda County.

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