Market Intelligence

Gila County, AZ

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

Gila County, Arizona, a core county of the Phoenix-Mesa, AZ market, holds $929M in deposits across 7 insured institutions and 10 branches. Wells Fargo Bank, National Association is the largest deposit holder at 32.8% share. The top three institutions hold 67.6% of deposits, which places the county in the concentrated band. Deposits have grown 2.3% since 2020. It produces $1.8B of output, ranking #971 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$1.8B
#971 of 1,523
Total Deposits
$929M
#973 of 1,523
Population
53,801
#899 of 1,523
GDP per Capita
$33,847
#1,097 of 1,523
Insured Institutions
7
#952 of 1,523
Deposits per Branch
$93M
#700 of 1,523
Deposits per Capita
$17,266
#1,052 of 1,523
Branches per 100k Pop.
18.6
#1,100 of 1,523
Median Institution Size
$106M
Median deposits of the institutions operating in the county. #849 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
22.7%
of market deposits held by banks with $100M to $50B in assets. #1,340 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 Deposit Share: concentrated
67.6%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+2.3% over 5 years
$908M
2020
$943M
2021
$1.0B
2022
$945M
2023
$941M
2024
$929M
2025

Branches: 10 in 2020 to 10 in 2025. Institutions: 7 to 7. Top-three share: 65.3% to 67.6%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Wells Fargo Bank, National Association$305M32.8%2+35%
JPMorgan Chase Bank, National Association$175M18.8%1+8%
Washington Federal Bank$148M16.0%2+39%
Zions Bancorporation, N.A.$106M11.4%10%
BMO Bank National Association$94M10.1%2-54%
First Interstate Bank$63M6.8%1+9%
PNC Bank, National Association$38M4.1%1-14%

The 7 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 Phoenix-Mesa market

Gila County is one of 3 counties that make up the Phoenix-Mesa, AZ market, a Combined Statistical Area (ranked #13 of 293 U.S. markets by economic output). It produces 0.5% of the market’s output and holds 0.5% of its deposits.

MeasureGila CountyShare of Phoenix-Mesa market
2024 GDP$1.8B0.5%
Deposits$929M0.5%
Population53,8011.0%

View the full Phoenix-Mesa market profile →

Recruiting in Gila 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 Gila County, on a retained basis.

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