Napa County, California, a core county of the San Jose-San Francisco-Oakland, CA market, holds $4.3B in deposits across 13 insured institutions and 32 branches. Wells Fargo Bank, National Association is the largest deposit holder at 18.1% share. The top three institutions hold 53.7% of deposits, which places the county in the moderately concentrated band. Deposits have fallen 11.4% since 2020 while the branch count fell by 10. It produces $11.3B of output, ranking #334 of the 1,523 counties within a CSA or MSA 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: 42 in 2020 to 32 in 2025. Institutions: 15 to 13. Top-three share: 48.4% to 53.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank | $782M | 18.1% | -8% |
| JPMorgan Chase Bank | $782M | 18.1% | -29% |
| Bank of America | $752M | 17.4% | 0% |
| Umpqua Bank | $404M | 9.4% | +6% |
| Bank of Marin | $322M | 7.5% | +2% |
| Westamerica Bank | $300M | 7.0% | -8% |
| BMO Bank | $292M | 6.8% | -17% |
| Mechanics Bank | $210M | 4.9% | -20% |
| Poppy Bank | $189M | 4.4% | no 2020 presence |
| U.S. Bank | $182M | 4.2% | +36% |
The 10 largest of 13 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. Deposit figures are nominal and are not adjusted for inflation.
Part of the San Jose-San Francisco-Oakland market
Napa 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 0.9% of the market’s output and holds 0.6% of its deposits.
| Measure | Napa County | Share of parent market |
|---|---|---|
| 2024 GDP | $11.3B | 0.9% |
| Deposits | $4.3B | 0.6% |
| Population | 132,949 | 1.5% |
View the full San Jose-San Francisco-Oakland market profile →
Recruiting in Napa 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 Napa County, on a retained basis.
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