Market Intelligence

Fresno County, CA

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

Fresno County, California, a core county of the Fresno-Hanford-Corcoran, CA market, holds $19.3B in deposits across 22 insured institutions and 112 branches. Wells Fargo Bank, National Association is the largest deposit holder at 18.1% share. The top three banks hold 46% of deposits, which places the county in the Moderate band. Deposits have grown 12.6% since 2020 while the branch count fell by 8.9%. It produces $49.9B of output, ranking #95 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$49.9B
#95 of 1,523
Population
1,035,456
#48 of 1,523
GDP per Capita
$48,180
#627 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$19.3B
#118 of 1,523
Deposits per Capita
$18,591
#968 of 1,523
Deposits per Branch
$172M
#131 of 1,523
Competitive structure
Insured Institutions
22
#176 of 1,523
Branches per 100k Pop.
10.8
#1,436 of 1,523
Median Deposits per Institution
$519M
The median deposits booked by a single institution in the county. #33 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
35.8%
of county deposits held by banks with $100M to $100B in assets. #1,279 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
46%
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)+12.6% over 5 years
$17.1B
2020
$19.9B
2021
$21.3B
2022
$19.2B
2023
$18.7B
2024
$19.3B
2025

Branches: 123 in 2020 to 112 in 2025. Institutions: 23 to 22. Top-three share: 51% to 46%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Wells Fargo Bank$3.5B18.1%11-17%
Bank of America$3.1B16.3%14+7%
JPMorgan Chase Bank$2.3B12.1%11+53%
Community West Bank$1.4B7.3%8+70%
FFB Bank$1.2B6.4%1+82%
Citibank$1.2B6.3%8+35%
BMO Bank$1.1B5.6%8+9%
U.S. Bank$981M5.1%9-16%
United Security Bank$915M4.8%10+35%
UMB Bank$699M3.6%1no 2020 presence
Westamerica Bank$550M2.9%11-7%
Zions Bancorporation$487M2.5%2-9%
Citizens Business Bank$348M1.8%2+80%
Bank of the Sierra$306M1.6%6+12%
Murphy Bank$267M1.4%1+15%
Mechanics Bank$185M1.0%2-6%
Banc of California$171M0.9%1+52%
PNC Bank$151M0.8%2-38%
Tri Counties Bank$125M0.7%1+154%
Balboa Thrift and Loan Association$91M0.5%1+13%
State Bank of India (California)$57M0.3%1+29%
Beneficial State Bank$47M0.2%1+422%

The 22 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 Fresno-Hanford-Corcoran market

Fresno County is one of 3 counties that make up the Fresno-Hanford-Corcoran, CA market, a Combined Statistical Area (ranked #61 of 293 U.S. markets by economic output). It produces 78.1% of the market’s output and holds 86.0% of its deposits.

MeasureFresno CountyShare of parent market
2024 GDP$49.9B78.1%
Deposits$19.3B86.0%
Population1,035,45676.3%

View the full Fresno-Hanford-Corcoran market profile →

Recruiting in Fresno 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 Fresno County.

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