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 institutions hold 72.3% of deposits, which places the county in the concentrated band. Deposits have grown 68.1% since 2020 while the branch count fell by 27. It produces $106.7B of output, ranking #40 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 204 in 2020 to 177 in 2025. Institutions: 31 to 31. Top-three share: 56.0% to 72.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank National Association | $37.7B | 52.2% | +207% |
| Wells Fargo Bank, National Association | $8.2B | 11.4% | -7% |
| Bank of America, National Association | $6.2B | 8.7% | +7% |
| JPMorgan Chase Bank, National Association | $5.8B | 8.0% | +47% |
| River City Bank | $4.3B | 6.0% | +76% |
| Five Star Bank | $1.5B | 2.0% | +32% |
| BMO Bank National Association | $1.5B | 2.0% | -47% |
| Citibank, National Association | $1.0B | 1.4% | -6% |
| Farmers & Merchants Bank of Central California | $712M | 1.0% | +37% |
| First-Citizens Bank & Trust Company | $686M | 0.9% | +44% |
The 10 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. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
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 Sacramento-Roseville 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, on a retained basis.
Start a confidential conversation