Franklin County, Washington, a core county of the Kennewick-Richland-Walla Walla, WA market, holds $1.1B in deposits across 9 insured institutions and 12 branches. U.S. Bank National Association is the largest deposit holder at 19.9% share. The top three institutions hold 50.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 11.2% since 2020 while the branch count fell by 2. It produces $4.4B of output, ranking #650 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 14 in 2020 to 12 in 2025. Institutions: 11 to 9. Top-three share: 50.7% to 50.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank National Association | $210M | 19.9% | +5% |
| Umpqua Bank | $172M | 16.3% | +31% |
| Yakima Federal Savings and Loan Association | $153M | 14.5% | -15% |
| Glacier Bank | $146M | 13.8% | no 2020 presence |
| Community First Bank | $141M | 13.4% | +41% |
| Banner Bank | $97M | 9.2% | +35% |
| JPMorgan Chase Bank, National Association | $73M | 6.9% | +74% |
| BMO Bank National Association | $34M | 3.2% | -45% |
| Bank of Eastern Oregon | $31M | 2.9% | +5% |
The 9 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Kennewick-Richland-Walla Walla market
Franklin County is one of 3 counties that make up the Kennewick-Richland-Walla Walla, WA market, a Combined Statistical Area (ranked #129 of 293 U.S. markets by economic output). It produces 20.7% of the market’s output and holds 17.3% of its deposits.
| Measure | Franklin County | Share of Kennewick-Richland-Walla Walla market |
|---|---|---|
| 2024 GDP | $4.4B | 20.7% |
| Deposits | $1.1B | 17.3% |
| Population | 102,612 | 26.5% |
View the full Kennewick-Richland-Walla Walla market profile →
Recruiting in Franklin 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 Franklin County, on a retained basis.
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