Genesee County, Michigan, a core county of the Detroit-Warren-Ann Arbor, MI market, holds $5.4B in deposits across 8 insured institutions and 46 branches. JPMorgan Chase Bank is the largest deposit holder at 39.3% share. The top three banks hold 85% of deposits, which places the county in the Concentrated band. Deposits have fallen 0.8% since 2021 while the branch count fell by 20.7%. It produced $16.5B of real gross domestic product in 2024, ranking #246 of the 1,523 ranked counties by economic output.
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
Branches: 58 in 2021 to 46 in 2026. Institutions: 9 to 8. Top-three share: 85% to 85%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| JPMorgan Chase Bank | $2.1B | 39.3% | -7% |
| The Huntington National Bank | $1.7B | 31.4% | +8% |
| ChoiceOne Bank | $791M | 14.5% | +3% |
| Fifth Third Bank | $427M | 7.8% | -7% |
| Flagstar Bank | $153M | 2.8% | +20% |
| PNC Bank | $122M | 2.2% | -11% |
| Independent Bank | $70M | 1.3% | +83% |
| Oxford Bank | $30M | 0.6% | -51% |
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 Detroit-Warren-Ann Arbor market
Genesee County is one of 10 counties that make up the Detroit-Warren-Ann Arbor, MI market, a Combined Statistical Area (ranked #14 of 293 U.S. markets by economic output). It produces 4.9% of the market’s output and holds 2.6% of its deposits.
| Measure | Genesee County | Share of parent market |
|---|---|---|
| 2024 GDP | $16.5B | 4.9% |
| Deposits | $5.4B | 2.6% |
| Population | 401,093 | 7.4% |
View the full Detroit-Warren-Ann Arbor market profile →
Recruiting in Genesee County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Genesee County.
See how we help banks recruit commercial banking talent