Market Intelligence

Orange County, CA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Los Angeles-Long Beach, CA › Orange County

Orange County, California, a core county of the Los Angeles-Long Beach, CA market, holds $157.8B in deposits across 73 insured institutions and 535 branches. JPMorgan Chase Bank is the largest deposit holder at 19.5% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have fallen 10.9% since 2021 while the branch count fell by 9.5%. It produced $277.5B of real gross domestic product in 2024, ranking #9 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$277.5B
#9 of 1,523
Population
3,149,507
#6 of 1,523
GDP per Capita
$88,115
#88 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$157.8B
#20 of 1,523
Deposits per Capita
$50,114
#100 of 1,523
Deposits per Branch
$295M
#54 of 1,523
Competitive structure
Insured Institutions
73
#7 of 1,523
Branches per 100k Pop.
17.0
#1,190 of 1,523
Median Deposits per Institution
$295M
The median deposits booked by a single institution in the county. #168 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
30.5%
of county deposits held by banks with $100M to $100B in assets. #1,316 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
54%
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)-10.9% over 5 years
$177.2B
2021
$193.8B
2022
$179.2B
2023
$165.7B
2024
$163.3B
2025
$157.8B
2026

Branches: 591 in 2021 to 535 in 2026. Institutions: 75 to 73. Top-three share: 50% to 54%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$30.8B19.5%89+1%
Wells Fargo Bank$29.0B18.3%73-5%
Bank of America$26.0B16.5%74-16%
U.S. Bank$9.6B6.1%67-26%
Citibank$8.3B5.2%27+11%
First American Trust, FSB$7.3B4.6%1+60%
Farmers and Merchants Bank of Long Beach$4.9B3.1%15+13%
East West Bank$2.7B1.7%5+69%
Zions Bancorporation$2.6B1.7%9-14%
Sunwest Bank$2.6B1.6%3+74%
Cathay Bank$2.5B1.6%6+23%
BMO Bank$2.3B1.5%18-46%
Commercial Bank of California$2.3B1.4%3+100%
City National Bank$2.1B1.4%5-11%
Columbia Bank$2.1B1.4%10-76%
Citizens Business Bank$1.7B1.1%11-2%
Mechanics Bank$1.6B1.0%2-3%
Sunflower Bank$1.6B1.0%4-72%
Fifth Third Bank$1.5B0.9%9+47%
Banc of California$1.3B0.8%12-83%
First-Citizens Bank & Trust Company$1.2B0.7%6-21%
Commerce West Bank$1.1B0.7%10%
Bank of Hope$1.0B0.6%5+14%
Hanmi Bank$945M0.6%3+8%
First Bank$693M0.4%8-22%
Nano Banc$686M0.4%1-37%
US Metro Bank$620M0.4%3+41%
SMBC ManuBank$593M0.4%2+57%
HSBC Bank USA$585M0.4%1-13%
CTBC Bank Corp. (USA)$566M0.4%2+38%
CalPrivate Bank$551M0.3%1+396%
PCB Bank$484M0.3%4+59%
Partners Bank of California$388M0.2%1+34%
The Northern Trust Company$336M0.2%1-34%
Infinity Bank$310M0.2%1+76%
Open Bank$308M0.2%2+87%
MidFirst Bank$295M0.2%1no 2021 presence
Poppy Bank$294M0.2%4-11%
Commonwealth Business Bank$294M0.2%2+28%
Flagstar Bank$272M0.2%1+156%
California Bank of Commerce$258M0.2%2-2%
EverBank$245M0.2%2+261%
Woori America Bank$236M0.1%3+68%
Bank Irvine$235M0.1%1no 2021 presence
Preferred Bank$205M0.1%2+78%
Genesis Bank$186M0.1%1no 2021 presence
Enterprise Bank & Trust$185M0.1%2-22%
Shinhan Bank America$177M0.1%2-35%
Liberty Bank$177M0.1%1+81%
United Business Bank$172M0.1%3-68%
Golden Bank$169M0.1%1+181%
First General Bank$144M0.1%1+6%
TIB$140M0.1%1-36%
Royal Business Bank$113M0.1%1+131%
Beach Cities Commercial Bank$112M0.1%1no 2021 presence
California Business Bank$108M0.1%1+47%
California International Bank$106M0.1%1+49%
EverTrust Bank$89M0.1%1-10%
Southwestern National Bank$86M0.1%1+422%
Citizens Bank$80M0.1%1no 2021 presence
Mega Bank$75M<0.1%1+17%
GBC International Bank$72M<0.1%1+17%
Tustin Community Bank$69M<0.1%1-5%
First Commercial Bank (USA)$65M<0.1%1+21%
Icon Business Bank$42M<0.1%1no 2021 presence
New OMNI Bank$33M<0.1%1no 2021 presence
First Pacific Bank$29M<0.1%1no 2021 presence
Pacific Alliance Bank$27M<0.1%1-10%
Metro City Bank$13M<0.1%1no 2021 presence
Capital Bank and Trust Company$0M<0.1%10%
Wilmington Trust$0M0.0%1no 2021 presence
BNY Mellon$0M0.0%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 73 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 Los Angeles-Long Beach market

Orange County is one of 5 counties that make up the Los Angeles-Long Beach, CA market, a Combined Statistical Area (ranked #2 of 293 U.S. markets by economic output). It produces 20.5% of the market’s output and holds 20.5% of its deposits.

MeasureOrange CountyShare of parent market
2024 GDP$277.5B20.5%
Deposits$157.8B20.5%
Population3,149,50717.1%

View the full Los Angeles-Long Beach market profile →

Recruiting in Orange 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 Orange County.

See how we help banks recruit commercial banking talent

Other counties in the Los Angeles-Long Beach market

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.