Market Intelligence

Cochise County, AZ

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

Cochise County, Arizona, a core county of the Sierra Vista-Douglas, AZ market, holds $1.7B in deposits across 8 insured institutions and 16 branches. Wells Fargo Bank is the largest deposit holder at 29.3% share. The top three banks hold 60% of deposits, which places the county in the Concentrated band. Deposits have fallen 3.9% since 2021. It produced $5.2B of real gross domestic product in 2024, ranking #582 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$5.2B
#582 of 1,523
Population
126,332
#513 of 1,523
GDP per Capita
$41,196
#868 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$1.7B
#721 of 1,523
Deposits per Capita
$13,344
#1,301 of 1,523
Deposits per Branch
$105M
#560 of 1,523
Competitive structure
Insured Institutions
8
#846 of 1,523
Branches per 100k Pop.
12.7
#1,392 of 1,523
Median Deposits per Institution
$201M
The median deposits booked by a single institution in the county. #351 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
35.2%
of county deposits held by banks with $100M to $100B in assets. #1,253 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
60%
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)-3.9% over 5 years
$1.8B
2021
$1.7B
2022
$1.6B
2023
$1.6B
2024
$1.7B
2025
$1.7B
2026

Branches: 16 in 2021 to 16 in 2026. Institutions: 8 to 8. Top-three share: 66% to 60%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$493M29.3%3+7%
JPMorgan Chase Bank$291M17.3%1-5%
Zions Bancorporation$223M13.2%3-44%
Bank of America$202M12.0%1-2%
WaFd Bank$199M11.8%3+28%
PNC Bank$105M6.3%2-3%
Western Bank$95M5.6%2+44%
Armed Forces Bank$77M4.6%1+50%

The 8 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 Sierra Vista-Douglas market

Cochise County is the only county in the Sierra Vista-Douglas, AZ market, a Metropolitan Statistical Area (ranked #268 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.

MeasureCochise CountyShare of parent market
2024 GDP$5.2B100.0%
Deposits$1.7B100.0%
Population126,332100.0%

View the full Sierra Vista-Douglas market profile →

Recruiting in Cochise 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 Cochise County.

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