Merced County, California, a core county of the San Jose-San Francisco-Oakland, CA market, holds $3.4B in deposits across 10 insured institutions and 25 branches. JPMorgan Chase Bank is the largest deposit holder at 18.5% share. The top three banks hold 51% of deposits, which places the county in the Moderate band. Deposits have grown 2.7% since 2021 while the branch count fell by 13.8%. It produced $10.3B of real gross domestic product in 2024, ranking #351 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: 29 in 2021 to 25 in 2026. Institutions: 10 to 10. Top-three share: 51% to 51%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| JPMorgan Chase Bank | $624M | 18.5% | +37% |
| Westamerica Bank | $595M | 17.7% | -5% |
| Wells Fargo Bank | $485M | 14.4% | -8% |
| Bank of America | $468M | 13.9% | -8% |
| Farmers & Merchants Bank of Central California | $329M | 9.8% | +22% |
| Mechanics Bank | $312M | 9.3% | -6% |
| Citibank | $280M | 8.3% | -11% |
| Tri Counties Bank | $110M | 3.3% | +36% |
| PNC Bank | $104M | 3.1% | -12% |
| Community West Bank | $61M | 1.8% | +26% |
The 10 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 San Jose-San Francisco-Oakland market
Merced County is one of 13 counties that make up the San Jose-San Francisco-Oakland, CA market, a Combined Statistical Area (ranked #3 of 293 U.S. markets by economic output). It produces 0.8% of the market’s output and holds 0.5% of its deposits.
| Measure | Merced County | Share of parent market |
|---|---|---|
| 2024 GDP | $10.3B | 0.8% |
| Deposits | $3.4B | 0.5% |
| Population | 297,260 | 3.3% |
View the full San Jose-San Francisco-Oakland market profile →
Recruiting in Merced 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 Merced County.
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