Market Intelligence

Riverside County, CA

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

Riverside County, California, a core county of the Los Angeles-Long Beach, CA market, holds $41.5B in deposits across 28 insured institutions and 252 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 23.9% share. The top three banks hold 65% of deposits, which places the county in the Concentrated band. Deposits have grown 21.6% since 2020 while the branch count fell by 14.6%. It produces $102.5B of output, ranking #45 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$102.5B
#45 of 1,523
Population
2,544,916
#10 of 1,523
GDP per Capita
$40,264
#893 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$41.5B
#71 of 1,523
Deposits per Capita
$16,309
#1,116 of 1,523
Deposits per Branch
$165M
#149 of 1,523
Competitive structure
Insured Institutions
28
#113 of 1,523
Branches per 100k Pop.
9.9
#1,459 of 1,523
Median Deposits per Institution
$398M
The median deposits booked by a single institution in the county. #78 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
17.5%
of county deposits held by banks with $100M to $100B in assets. #1,461 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
65%
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)+21.6% over 5 years
$34.1B
2020
$40.6B
2021
$43.0B
2022
$40.3B
2023
$40.5B
2024
$41.5B
2025

Branches: 295 in 2020 to 252 in 2025. Institutions: 29 to 28. Top-three share: 61% to 65%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
JPMorgan Chase Bank$9.9B23.9%43+51%
Bank of America$8.7B21.1%37+11%
Wells Fargo Bank$8.3B20.1%40+26%
U.S. Bank$3.8B9.2%38+19%
Citibank$1.5B3.6%9+22%
Pacific Premier Bank$1.3B3.0%6+10%
PNC Bank$1.2B2.9%18-15%
Zions Bancorporation$969M2.3%7+243%
City National Bank$936M2.3%1+13%
HCN Bank$843M2.0%6+12%
Provident Savings Bank, F.S.B.$816M2.0%13+2%
Banc of California$702M1.7%6+6%
First-Citizens Bank & Trust Company$664M1.6%4+11%
Mechanics Bank$405M1.0%5+10%
Citizens Business Bank$392M0.9%2-18%
Banner Bank$262M0.6%2+24%
California Bank of Commerce$172M0.4%2-2%
First Bank$136M0.3%3+3%
Icon Business Bank$121M0.3%1no 2020 presence
First Foundation Bank$117M0.3%1-24%
Legacy Bank$73M0.2%1no 2020 presence
C3bank$58M0.1%1-9%
HomeStreet Bank$38M0.1%1+39%
Chino Commercial Bank$21M0.1%1no 2020 presence
BMO Bank$20M<0.1%1-55%
Balboa Thrift and Loan Association$9M<0.1%1+155%
Genesis Bank$7M<0.1%1no 2020 presence
Community Valley Bank$7M<0.1%1-50%

The 28 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 Los Angeles-Long Beach market

Riverside 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 7.6% of the market’s output and holds 5.4% of its deposits.

MeasureRiverside CountyShare of parent market
2024 GDP$102.5B7.6%
Deposits$41.5B5.4%
Population2,544,91613.8%

View the full Los Angeles-Long Beach market profile →

Recruiting in Riverside 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 Riverside County.

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