Kootenai County, Idaho, a core county of the Spokane-Spokane Valley-Coeur d'Alene, WA-ID market, holds $4.9B in deposits across 11 insured institutions and 33 branches. Bank of America, National Association is the largest deposit holder at 32.0% share. The top three institutions hold 59.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 10.6% since 2020 while the branch count fell by 7. It produces $8.8B of output, ranking #402 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 40 in 2020 to 33 in 2025. Institutions: 13 to 11. Top-three share: 64.1% to 59.6%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of America, National Association | $1.6B | 32.0% | -3% |
| Glacier Bank | $694M | 14.3% | +12% |
| Wells Fargo Bank, National Association | $647M | 13.3% | +10% |
| U.S. Bank National Association | $498M | 10.3% | +24% |
| Washington Trust Bank | $406M | 8.4% | +26% |
| First Interstate Bank | $406M | 8.4% | +17% |
| Umpqua Bank | $217M | 4.5% | +7% |
| JPMorgan Chase Bank, National Association | $213M | 4.4% | +108% |
| bankcda | $150M | 3.1% | +22% |
| Northwest Bank | $50M | 1.0% | +172% |
The 10 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Spokane-Spokane Valley-Coeur d'Alene market
Kootenai County is one of 3 counties that make up the Spokane-Spokane Valley-Coeur d'Alene, WA-ID market, a Combined Statistical Area (ranked #82 of 293 U.S. markets by economic output). It produces 21.2% of the market’s output and holds 25.2% of its deposits.
| Measure | Kootenai County | Share of Spokane-Spokane Valley-Coeur d'Alene market |
|---|---|---|
| 2024 GDP | $8.8B | 21.2% |
| Deposits | $4.9B | 25.2% |
| Population | 191,864 | 24.0% |
View the full Spokane-Spokane Valley-Coeur d'Alene market profile →
Recruiting in Kootenai 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 Kootenai County, on a retained basis.
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