Market Intelligence

Passaic County, NJ

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

Passaic County, New Jersey, a core county of the New York-Newark, NY-NJ-CT-PA market, holds $27.0B in deposits across 19 insured institutions and 96 branches. Valley National Bank is the largest deposit holder at 57.4% share. The top three banks hold 70% of deposits, which places the county in the Concentrated band. Deposits have grown 39.1% since 2020 while the branch count fell by 16.5%. It produces $22.8B of output, ranking #200 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$22.8B
#200 of 1,523
Population
531,624
#142 of 1,523
GDP per Capita
$42,829
#801 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$27.0B
#93 of 1,523
Deposits per Capita
$50,858
#92 of 1,523
Deposits per Branch
$282M
#55 of 1,523
Competitive structure
Insured Institutions
19
#244 of 1,523
Branches per 100k Pop.
18.1
#1,134 of 1,523
Median Deposits per Institution
$336M
The median deposits booked by a single institution in the county. #119 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
69.8%
of county deposits held by banks with $100M to $100B in assets. #811 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: Concentrated
70%
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, 2020 to 2025)+39.1% over 5 years
$19.4B
2020
$19.7B
2021
$22.0B
2022
$29.5B
2023
$29.6B
2024
$27.0B
2025

Branches: 115 in 2020 to 96 in 2025. Institutions: 21 to 19. Top-three share: 55% to 70%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Valley National Bank$15.5B57.4%17+117%
TD Bank$1.9B7.1%11+7%
JPMorgan Chase Bank$1.6B5.9%8+23%
Provident Bank$1.5B5.6%9+2,045%
Wells Fargo Bank$1.5B5.5%12+4%
PNC Bank$1.4B5.1%10-7%
Bank of America$893M3.3%4+10%
Columbia Bank$873M3.2%8-2%
Kearny Bank$389M1.4%3-42%
Spencer Savings Bank, SLA$336M1.2%3+19%
Capital One$329M1.2%1-52%
Citibank$317M1.2%1-49%
Manufacturers and Traders Trust Company$185M0.7%3-26%
Citizens Bank$75M0.3%1-37%
Alma Bank$73M0.3%1+126%
Ascendia Bank$67M0.2%1+48%
Blue Foundry Bank$56M0.2%1-26%
Bogota Savings Bank$30M0.1%1no 2020 presence
Crown Bank$7M<0.1%1+150%

The 19 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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 New York-Newark market

Passaic County is one of 30 counties that make up the New York-Newark, NY-NJ-CT-PA market, a Combined Statistical Area (ranked #1 of 293 U.S. markets by economic output). It produces 1.1% of the market’s output and holds 0.9% of its deposits.

MeasurePassaic CountyShare of parent market
2024 GDP$22.8B1.1%
Deposits$27.0B0.9%
Population531,6242.4%

View the full New York-Newark market profile →

Recruiting in Passaic 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 Passaic County.

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