Kern County, California, a core county of the Bakersfield-Delano, CA market, holds $11.3B in deposits across 15 insured institutions and 70 branches. JPMorgan Chase Bank is the largest deposit holder at 21.2% share. The top three banks hold 57% of deposits, which places the county in the Moderate band. Deposits have fallen 6.1% since 2021 while the branch count fell by 14.6%. It produced $49.8B of real gross domestic product in 2024, ranking #96 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: 82 in 2021 to 70 in 2026. Institutions: 18 to 15. Top-three share: 58% to 57%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| JPMorgan Chase Bank | $2.4B | 21.2% | +25% |
| Wells Fargo Bank | $2.3B | 20.3% | -17% |
| Bank of America | $1.8B | 15.7% | -23% |
| Tri Counties Bank | $1.1B | 9.5% | -18% |
| Mission Bank | $829M | 7.3% | +6% |
| U.S. Bank | $651M | 5.8% | -7% |
| Citizens Business Bank | $453M | 4.0% | -13% |
| Bank of the Sierra | $451M | 4.0% | +8% |
| Mechanics Bank | $395M | 3.5% | -11% |
| Citibank | $308M | 2.7% | +21% |
| Community West Bank | $166M | 1.5% | +86% |
| Westamerica Bank | $165M | 1.5% | -4% |
| BMO Bank | $162M | 1.4% | -12% |
| Banc of California | $105M | 0.9% | +6% |
| Zions Bancorporation | $66M | 0.6% | +25% |
The 15 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 Bakersfield-Delano market
Kern County is the only county in the Bakersfield-Delano, CA market, a Metropolitan Statistical Area (ranked #74 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Kern County | Share of parent market |
|---|---|---|
| 2024 GDP | $49.8B | 100.0% |
| Deposits | $11.3B | 100.0% |
| Population | 927,068 | 100.0% |
View the full Bakersfield-Delano market profile →
Recruiting in Kern 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 Kern County.
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