Market Intelligence

Madera County, CA

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

Madera County, California, a county in the Fresno-Hanford-Corcoran, CA market, holds $1.5B in deposits across 10 insured institutions and 14 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 23.1% share. The top three institutions hold 56.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 2.6% since 2020 while the branch count fell by 1. It produces $6.8B of output, ranking #484 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$6.8B
#484 of 1,523
Total Deposits
$1.5B
#751 of 1,523
Population
167,927
#419 of 1,523
GDP per Capita
$40,488
#886 of 1,523
Insured Institutions
10
#687 of 1,523
Deposits per Branch
$110M
#471 of 1,523
Deposits per Capita
$9,175
#1,439 of 1,523
Branches per 100k Pop.
8.3
#1,489 of 1,523
Median Institution Size
$109M
Median deposits of the institutions operating in the county. #825 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
31.3%
of market deposits held by banks with $100M to $50B in assets. #1,220 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: moderately concentrated
56.8%
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+2.6% over 5 years
$1.5B
2020
$1.7B
2021
$1.7B
2022
$1.6B
2023
$1.6B
2024
$1.5B
2025

Branches: 15 in 2020 to 14 in 2025. Institutions: 10 to 10. Top-three share: 55.2% to 56.8%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
JPMorgan Chase Bank, National Association$356M23.1%2+42%
Wells Fargo Bank, National Association$325M21.1%3+14%
Bank of America, National Association$195M12.7%1-33%
Tri Counties Bank$152M9.8%1+57%
Community West Bank$120M7.8%2+16%
Citizens Business Bank$97M6.3%1-2%
U.S. Bank National Association$96M6.2%1-2%
UMB Bank, National Association$87M5.6%1no 2020 presence
Westamerica Bank$63M4.1%1-8%
United Security Bank$51M3.3%1-56%

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 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 Fresno-Hanford-Corcoran market

Madera County is one of 3 counties that make up the Fresno-Hanford-Corcoran, CA market, a Combined Statistical Area (ranked #61 of 293 U.S. markets by economic output). It produces 10.6% of the market’s output and holds 6.9% of its deposits.

MeasureMadera CountyShare of Fresno-Hanford-Corcoran market
2024 GDP$6.8B10.6%
Deposits$1.5B6.9%
Population167,92712.4%

View the full Fresno-Hanford-Corcoran market profile →

Recruiting in Madera 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 Madera County, on a retained basis.

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