Market Intelligence

Boulder County, CO

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

Boulder County, Colorado, a core county of the Denver-Aurora-Greeley, CO market, holds $12.0B in deposits across 33 insured institutions and 90 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 22.5% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have fallen 4.9% since 2020 while the branch count fell by 10.0%. It produces $33.4B of output, 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, 6/30/25)
$12.0B
#177 of 1,523
Deposits per Capita
$36,516
#223 of 1,523
Deposits per Branch
$133M
#267 of 1,523
Competitive structure
Insured Institutions
33
#70 of 1,523
Branches per 100k Pop.
27.4
#590 of 1,523
Median Deposits per Institution
$124M
The median deposits booked by a single institution in the county. #704 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
48.3%
of county deposits held by banks with $100M to $100B in assets. #1,119 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, 2020 to 2025)-4.9% over 5 years
$12.6B
2020
$14.0B
2021
$14.4B
2022
$12.5B
2023
$12.2B
2024
$12.0B
2025

Branches: 100 in 2020 to 90 in 2025. Institutions: 32 to 33. Top-three share: 54% to 53%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$2.7B22.5%11+2%
Wells Fargo Bank$1.9B16.0%9-24%
FirstBank$1.8B14.6%5+7%
U.S. Bank$655M5.5%5-2%
AMG National Trust Bank$629M5.2%1+29%
First National Bank of Omaha$564M4.7%4+28%
SouthState Bank$488M4.1%40%
BOKF$409M3.4%1-6%
Bank of America$375M3.1%3-13%
FlatIrons Bank$359M3.0%2+69%
First Interstate Bank$264M2.2%6-43%
BMO Bank$255M2.1%6-46%
Zions Bancorporation$213M1.8%3-52%
First Western Trust Bank$199M1.7%1+13%
High Plains Bank$135M1.1%2+140%
Bank of Colorado$125M1.0%2+207%
KeyBank$124M1.0%4-17%
Sunflower Bank$115M1.0%2-37%
PNC Bank$93M0.8%3-69%
InBank$82M0.7%1no 2020 presence
MidFirst Bank$77M0.6%1+238%
Alpine Bank$76M0.6%1+155%
UMB Bank$61M0.5%1no 2020 presence
ANB Bank$61M0.5%1+19%
Encore Bank$55M0.5%1no 2020 presence
First-Citizens Bank & Trust Company$44M0.4%1+109%
RNB State Bank$44M0.4%1+56%
Adams Bank & Trust$40M0.3%1+6%
The Huntington National Bank$35M0.3%3+28%
The Pueblo Bank and Trust Company$16M0.1%1+185%
TBK Bank, SSB$12M0.1%1-71%
High Country Bank$11M0.1%1no 2020 presence
Bank of Estes Park$9M0.1%1+14%

The 33 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 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 9.5% of its deposits.

MeasureBoulder CountyShare of parent market
2024 GDP$33.4B10.3%
Deposits$12.0B9.5%
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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