Market Intelligence

Orange County, CA

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

Orange County, California, a core county of the Los Angeles-Long Beach, CA market, holds $163.3B in deposits across 72 insured institutions and 535 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 18.2% share. The top three institutions hold 51.5% of deposits, which places the county in the moderately concentrated band. Deposits have grown 6.3% since 2020 while the branch count fell by 14.3%. It produces $277.5B of output, 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
Total Deposits
$163.3B
#19 of 1,523
Deposits per Capita
$51,836
#87 of 1,523
Deposits per Branch
$305M
#42 of 1,523
Competitive structure
Insured Institutions
72
#7 of 1,523
Branches per 100k Pop.
17.0
#1,178 of 1,523
Median Deposits per Institution
$305M
The median deposits booked by a single institution in the county. #157 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
28.9%
of county deposits held by banks with $100M to $50B in assets. #1,260 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
51.5%
The combined deposit share of the three largest institutions 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

Total county deposits (nominal), 2020 to 2025+6.3% over 5 years
$153.6B
2020
$177.2B
2021
$193.8B
2022
$179.2B
2023
$165.7B
2024
$163.3B
2025

Branches: 624 in 2020 to 535 in 2025. Institutions: 75 to 72. Top-three share: 49.1% to 51.5%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
JPMorgan Chase Bank$29.8B18.2%90+25%
Wells Fargo Bank$27.9B17.1%75+5%
Bank of America$26.4B16.2%76-3%
U.S. Bank$9.5B5.8%66-22%
Citibank$8.3B5.1%27+56%
Pacific Premier Bank$7.1B4.4%9-14%
First Foundation Bank$6.5B4.0%4+51%
First American Trust, FSB$5.5B3.4%1+89%
Farmers and Merchants Bank of Long Beach$4.7B2.9%15+31%
Zions Bancorporation$2.8B1.7%9-8%
BMO Bank$2.7B1.6%18-37%
East West Bank$2.5B1.5%5+95%
Cathay Bank$2.5B1.5%6+35%
Sunwest Bank$2.4B1.5%3+103%
City National Bank$2.1B1.3%5+10%
Commercial Bank of California$1.9B1.2%3+111%
Banc of California$1.7B1.0%13-57%
Citizens Business Bank$1.6B1.0%11-5%
Mechanics Bank$1.3B0.8%1-2%
First-Citizens Bank & Trust Company$1.1B0.6%7-30%
Bank of Hope$1.1B0.6%5+9%
Commerce West Bank$1.0B0.6%1+23%
Comerica Bank$980M0.6%9+7%
Hanmi Bank$893M0.5%3+19%
Nano Banc$805M0.5%1-15%
First Bank$802M0.5%8-9%
HSBC Bank USA$696M0.4%1-12%
SMBC ManuBank$679M0.4%2+119%
Umpqua Bank$628M0.4%1+180%
CTBC Bank Corp. (USA)$568M0.3%2+52%
US Metro Bank$546M0.3%3+61%
Partners Bank of California$481M0.3%1+77%
PCB Bank$457M0.3%4+72%
The Northern Trust Company$358M0.2%1+48%
CalPrivate Bank$349M0.2%1+334%
Poppy Bank$317M0.2%2+52%
Infinity Bank$292M0.2%1+104%
Woori America Bank$283M0.2%3+108%
California Bank of Commerce$269M0.2%2+6%
Open Bank$261M0.2%1+82%
Commonwealth Business Bank$261M0.2%2+32%
Enterprise Bank & Trust$218M0.1%2no 2020 presence
Flagstar Bank$198M0.1%1no 2020 presence
Shinhan Bank America$190M0.1%2-22%
Preferred Bank$188M0.1%2+77%
Genesis Bank$181M0.1%1no 2020 presence
Liberty Bank$180M0.1%1+208%
TIB$174M0.1%1-6%
Bank Irvine$164M0.1%1no 2020 presence
United Business Bank$157M0.1%3+20%
First General Bank$152M0.1%1+8%
Golden Bank$151M0.1%1+184%
Royal Business Bank$117M0.1%1+233%
Beach Cities Commercial Bank$108M0.1%1no 2020 presence
California Business Bank$94M0.1%1+37%
EverTrust Bank$79M0.0%1+4%
Southwestern National Bank$78M0.0%1+381%
Mega Bank$68M0.0%1+35%
GBC International Bank$67M0.0%1+5%
HomeStreet Bank$65M0.0%1-63%
First Commercial Bank (USA)$63M0.0%1+44%
Tustin Community Bank$63M0.0%1-4%
California International Bank$63M0.0%1+64%
EverBank$39M0.0%1no 2020 presence
Pacific Alliance Bank$33M0.0%1+32%
First Pacific Bank$24M0.0%1no 2020 presence
New OMNI Bank$18M0.0%1no 2020 presence
Icon Business Bank$17M0.0%1no 2020 presence
Capital Bank and Trust Company$0M0.0%10%
Wilmington Trust$0M0.0%2no 2020 presence
BNY Mellon$0M0.0%1no 2020 presence
CIBC National Trust Company$0M0.0%1no 2020 presence

The 72 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. “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 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 21.2% of its deposits.

MeasureOrange CountyShare of parent market
2024 GDP$277.5B20.5%
Deposits$163.3B21.2%
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.

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