Market Intelligence

Owyhee County, ID

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

Owyhee County, Idaho, a county in the Boise City-Mountain Home-Ontario, ID-OR market, holds $63M in deposits across 1 insured institution and 1 branch. U.S. Bank National Association is the largest deposit holder at 100.0% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have fallen 16.5% since 2020 while the branch count fell by 1. It produces $512M of output, ranking #1,354 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$512M
#1,354 of 1,523
Total Deposits
$63M
#1,503 of 1,523
Population
12,661
#1,417 of 1,523
GDP per Capita
$40,399
#891 of 1,523
Insured Institutions
1
#1,519 of 1,523
Deposits per Branch
$63M
#1,196 of 1,523
Deposits per Capita
$4,959
#1,510 of 1,523
Branches per 100k Pop.
7.9
#1,496 of 1,523
Median Institution Size
$63M
Median deposits of the institutions operating in the county. #1,288 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
0.0%
of market deposits held by banks with $100M to $50B in assets. #1,520 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: concentrated
100.0%
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 2025-16.5% over 5 years
$75M
2020
$79M
2021
$85M
2022
$75M
2023
$72M
2024
$63M
2025

Branches: 2 in 2020 to 1 in 2025. Institutions: 1 to 1. Top-three share: 100.0% to 100.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
U.S. Bank National Association$63M100.0%1-17%

The 1 insured institution 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 Boise City-Mountain Home-Ontario market

Owyhee County is one of 8 counties that make up the Boise City-Mountain Home-Ontario, ID-OR market, a Combined Statistical Area (ranked #75 of 293 U.S. markets by economic output). It produces 1.0% of the market’s output and holds 0.3% of its deposits.

MeasureOwyhee CountyShare of Boise City-Mountain Home-Ontario market
2024 GDP$512M1.0%
Deposits$63M0.3%
Population12,6611.3%

View the full Boise City-Mountain Home-Ontario market profile →

Recruiting in Owyhee County

Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Owyhee County, on a retained basis.

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