Market Intelligence

Boulder County, CO

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Boulder County, Colorado, a core county of the Denver-Aurora-Greeley, CO market, holds $11.6B in deposits across 32 insured institutions and 89 branches. JPMorgan Chase Bank is the largest deposit holder at 23.3% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have fallen 17.4% since 2021 while the branch count fell by 8.2%. It produced $33.4B of real gross domestic product in 2024, ranking #140 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$33.4B
#140 of 1,523
Population
328,560
#229 of 1,523
GDP per Capita
$101,726
#57 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$11.6B
#184 of 1,523
Deposits per Capita
$35,166
#271 of 1,523
Deposits per Branch
$130M
#319 of 1,523
Competitive structure
Insured Institutions
32
#78 of 1,523
Branches per 100k Pop.
27.1
#606 of 1,523
Median Deposits per Institution
$131M
The median deposits booked by a single institution in the county. #657 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
34.0%
of county deposits held by banks with $100M to $100B in assets. #1,274 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: Moderate
53%
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, 2021 to 2026)-17.4% over 5 years
$14.0B
2021
$14.4B
2022
$12.5B
2023
$12.2B
2024
$12.0B
2025
$11.6B
2026

Branches: 97 in 2021 to 89 in 2026. Institutions: 33 to 32. Top-three share: 54% to 53%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$2.7B23.3%10-11%
Wells Fargo Bank$2.0B17.1%9-24%
PNC Bank$1.5B12.6%8-34%
U.S. Bank$655M5.7%5-10%
AMG National Trust Bank$584M5.1%1+32%
First National Bank of Omaha$573M5.0%4+24%
SouthState Bank$447M3.9%4-18%
Bank of America$381M3.3%3-23%
BOKF$367M3.2%1-17%
FlatIrons Bank$336M2.9%2+35%
BMO Bank$243M2.1%6-38%
First Interstate Bank$241M2.1%6-50%
Zions Bancorporation$219M1.9%3-74%
First Western Trust Bank$189M1.6%1+16%
High Plains Bank$150M1.3%2+105%
Bank of Colorado$139M1.2%2+197%
KeyBank$124M1.1%4-20%
InBank$110M1.0%1no 2021 presence
Alpine Bank$101M0.9%1+99%
Sunflower Bank$99M0.9%2-48%
MidFirst Bank$80M0.7%1+59%
ANB Bank$61M0.5%1-16%
The Huntington National Bank$60M0.5%3+177%
UMB Bank$54M0.5%1-40%
RNB State Bank$49M0.4%1+63%
First-Citizens Bank & Trust Company$40M0.3%1+73%
Adams Bank & Trust$39M0.3%1-5%
FirsTier Bank$30M0.3%1no 2021 presence
Encore Bank$28M0.2%1no 2021 presence
PB&T Bank$14M0.1%1+16%
Bank of Estes Park$11M0.1%1+14%
High Country Bank$8M0.1%1+304%

The 32 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Denver-Aurora-Greeley market

Boulder County is one of 12 counties that make up the Denver-Aurora-Greeley, CO market, a Combined Statistical Area (ranked #15 of 293 U.S. markets by economic output). It produces 10.3% of the market’s output and holds 8.8% of its deposits.

MeasureBoulder CountyShare of parent market
2024 GDP$33.4B10.3%
Deposits$11.6B8.8%
Population328,5608.6%

View the full Denver-Aurora-Greeley market profile →

Recruiting in Boulder County

Deposits are split among a moderate 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 Boulder County.

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