Sacramento County, California, a core county of the Sacramento-Roseville, CA market, holds $72.1B in deposits across 31 insured institutions and 177 branches. U.S. Bank National Association is the largest deposit holder at 52.2% share. The top three banks hold 72% of deposits, which places the county in the Concentrated band. Deposits have grown 68.1% since 2020 while the branch count fell by 13.2%. It produces $106.7B of output, ranking #40 of the 1,523 ranked counties by economic output.
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
Branches: 204 in 2020 to 177 in 2025. Institutions: 31 to 31. Top-three share: 56% to 72%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| U.S. Bank | $37.7B | 52.3% | +207% |
| Wells Fargo Bank | $8.2B | 11.4% | -7% |
| Bank of America | $6.2B | 8.6% | +7% |
| JPMorgan Chase Bank | $5.8B | 8.0% | +47% |
| River City Bank | $4.3B | 6.0% | +76% |
| Five Star Bank | $1.5B | 2.0% | +32% |
| BMO Bank | $1.5B | 2.0% | -47% |
| Citibank | $1.0B | 1.4% | -6% |
| Farmers & Merchants Bank of Central California | $712M | 1.0% | +37% |
| First-Citizens Bank & Trust Company | $686M | 1.0% | +44% |
| El Dorado Savings Bank, F.S.B. | $499M | 0.7% | +1% |
| Banner Bank | $480M | 0.7% | +27% |
| PNC Bank | $471M | 0.7% | +271% |
| Zions Bancorporation | $461M | 0.6% | +7% |
| Umpqua Bank | $432M | 0.6% | +15% |
| East West Bank | $415M | 0.6% | +213% |
| Bank of Marin | $306M | 0.4% | no 2020 presence |
| Tri Counties Bank | $271M | 0.4% | +44% |
| Community West Bank | $226M | 0.3% | +71% |
| Westamerica Bank | $188M | 0.3% | -34% |
| Beal Bank USA | $163M | 0.2% | +25% |
| First Northern Bank of Dixon | $110M | 0.2% | +87% |
| Poppy Bank | $107M | 0.1% | no 2020 presence |
| Bank of Stockton | $100M | 0.1% | +30% |
| United Business Bank | $76M | 0.1% | +77% |
| First Foundation Bank | $62M | 0.1% | +20% |
| Flagstar Bank | $53M | 0.1% | no 2020 presence |
| Cathay Bank | $48M | 0.1% | 0% |
| First Bank | $27M | <0.1% | -60% |
| SoFi Bank | $24M | <0.1% | -15% |
| Oak Valley Community Bank | $14M | <0.1% | +11% |
The 31 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 Sacramento-Roseville market
Sacramento County is one of 7 counties that make up the Sacramento-Roseville, CA market, a Combined Statistical Area (ranked #32 of 293 U.S. markets by economic output). It produces 62.5% of the market’s output and holds 71.6% of its deposits.
| Measure | Sacramento County | Share of parent market |
|---|---|---|
| 2024 GDP | $106.7B | 62.5% |
| Deposits | $72.1B | 71.6% |
| Population | 1,618,460 | 58.5% |
View the full Sacramento-Roseville market profile →
Recruiting in Sacramento 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 Sacramento County.
See how we help banks recruit commercial banking talent