Market Intelligence

Butte County, CA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Chico, CA › Butte County

Butte County, California, a core county of the Chico, CA market, holds $7.0B in deposits across 13 insured institutions and 38 branches. Column is the largest deposit holder at 21.7% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have grown 16.6% since 2021. It produced $10.0B of real gross domestic product in 2024, ranking #360 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$10.0B
#360 of 1,523
Population
209,211
#344 of 1,523
GDP per Capita
$47,686
#649 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$7.0B
#265 of 1,523
Deposits per Capita
$33,695
#300 of 1,523
Deposits per Branch
$186M
#122 of 1,523
Competitive structure
Insured Institutions
13
#439 of 1,523
Branches per 100k Pop.
18.2
#1,130 of 1,523
Median Deposits per Institution
$383M
The median deposits booked by a single institution in the county. #95 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
56.4%
of county deposits held by banks with $100M to $100B in assets. #979 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)+16.6% over 5 years
$6.0B
2021
$6.6B
2022
$6.4B
2023
$6.2B
2024
$6.4B
2025
$7.0B
2026

Branches: 38 in 2021 to 38 in 2026. Institutions: 12 to 13. Top-three share: 54% to 53%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Column$1.5B21.7%1+445%
Tri Counties Bank$1.3B18.8%9-1%
Wells Fargo Bank$900M12.8%4-14%
JPMorgan Chase Bank$806M11.4%3+3%
Bank of America$776M11.0%3-14%
Golden Valley Bank$499M7.1%3+35%
U.S. Bank$383M5.4%4+14%
Mechanics Bank$326M4.6%4-29%
BMO Bank$212M3.0%3-22%
Five Star Bank$121M1.7%1+22%
Columbia Bank$113M1.6%1-18%
Banner Bank$33M0.5%1+37%
Plumas Bank$26M0.4%1no 2021 presence

The 13 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 Chico market

Butte County is the only county in the Chico, CA market, a Metropolitan Statistical Area (ranked #193 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.

MeasureButte CountyShare of parent market
2024 GDP$10.0B100.0%
Deposits$7.0B100.0%
Population209,211100.0%

View the full Chico market profile →

Recruiting in Butte 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 Butte County.

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