Market Intelligence

Larimer County, CO

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Larimer County, Colorado, a core county of the Fort Collins-Loveland, CO market, holds $10.4B in deposits across 28 insured institutions and 93 branches. First National Bank of Omaha is the largest deposit holder at 21.7% share. The top three banks hold 49% of deposits, which places the county in the Moderate band. Deposits have fallen 6.3% since 2021 while the branch count rose by 1.1%. It produced $22.6B of real gross domestic product in 2024, ranking #203 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$22.6B
#203 of 1,523
Population
377,292
#207 of 1,523
GDP per Capita
$59,948
#354 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$10.4B
#203 of 1,523
Deposits per Capita
$27,546
#509 of 1,523
Deposits per Branch
$112M
#477 of 1,523
Competitive structure
Insured Institutions
28
#111 of 1,523
Branches per 100k Pop.
24.6
#729 of 1,523
Median Deposits per Institution
$101M
The median deposits booked by a single institution in the county. #912 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
55.3%
of county deposits held by banks with $100M to $100B in assets. #996 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 Banks’ Deposit Share: Moderate
49%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)-6.3% over 5 years
$11.1B
2021
$11.4B
2022
$10.3B
2023
$10.4B
2024
$10.3B
2025
$10.4B
2026

Branches: 92 in 2021 to 93 in 2026. Institutions: 25 to 28. Top-three share: 49% to 49%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First National Bank of Omaha$2.3B21.7%11-14%
Wells Fargo Bank$1.5B14.5%7-4%
JPMorgan Chase Bank$1.3B12.5%7-5%
SouthState Bank$990M9.5%9-10%
PNC Bank$943M9.1%7-13%
Bank of Colorado$841M8.1%9+8%
First Western Trust Bank$548M5.3%1+89%
U.S. Bank$545M5.2%6+20%
KeyBank$198M1.9%4-17%
Adams Bank & Trust$169M1.6%3+2%
Verus Bank of Commerce$163M1.6%1-24%
Bank of Estes Park$144M1.4%2+7%
First Interstate Bank$114M1.1%3-74%
First National Bank$101M1.0%2-39%
BMO Bank$100M1.0%3-39%
ANB Bank$73M0.7%2-13%
Points West Community Bank$58M0.6%3+40%
Bank of America$56M0.5%2no 2021 presence
NBH Bank$48M0.5%1-15%
Academy Bank$40M0.4%2+91%
Union Bank and Trust Company$40M0.4%1no 2021 presence
Farmers Bank$39M0.4%1-22%
Alpine Bank$29M0.3%1no 2021 presence
Glacier Bank$28M0.3%1no 2021 presence
Mountain Valley Bank$25M0.2%1+77%
Waypoint Bank$22M0.2%1-15%
FirsTier Bank$11M0.1%1no 2021 presence
Equitable Savings and Loan Association$8M0.1%1+19%

The 28 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 Fort Collins-Loveland market

Larimer County is the only county in the Fort Collins-Loveland, CO market, a Metropolitan Statistical Area (ranked #122 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.

MeasureLarimer CountyShare of parent market
2024 GDP$22.6B100.0%
Deposits$10.4B100.0%
Population377,292100.0%

View the full Fort Collins-Loveland market profile →

Recruiting in Larimer 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 Larimer County.

See how we help banks recruit commercial banking talent