Kootenai County, Idaho, a core county of the Spokane-Spokane Valley-Coeur d'Alene, WA-ID market, holds $5.3B in deposits across 11 insured institutions and 33 branches. Bank of America is the largest deposit holder at 35.7% share. The top three banks hold 63% of deposits, which places the county in the Concentrated band. Deposits have fallen 11.4% since 2021 while the branch count fell by 13.2%. It produced $8.8B of real gross domestic product in 2024, ranking #402 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: 38 in 2021 to 33 in 2026. Institutions: 13 to 11. Top-three share: 68% to 63%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of America | $1.9B | 35.7% | -29% |
| Glacier Bank | $755M | 14.2% | -4% |
| Wells Fargo Bank | $679M | 12.8% | +7% |
| U.S. Bank | $470M | 8.8% | +6% |
| First Interstate Bank | $431M | 8.1% | +5% |
| Washington Trust Bank | $398M | 7.5% | -6% |
| JPMorgan Chase Bank | $234M | 4.4% | +76% |
| Columbia Bank | $231M | 4.3% | -3% |
| bankcda | $154M | 2.9% | -10% |
| Northwest Bank | $47M | 0.9% | +169% |
| Idaho Trust Bank | $17M | 0.3% | -30% |
The 11 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 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 32.8% of its deposits.
| Measure | Kootenai County | Share of parent market |
|---|---|---|
| 2024 GDP | $8.8B | 21.2% |
| Deposits | $5.3B | 32.8% |
| Population | 191,864 | 24.0% |
View the full Spokane-Spokane Valley-Coeur d'Alene market profile →
Recruiting in Kootenai 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 Kootenai County.
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