San Benito County, California, a county in the San Jose-San Francisco-Oakland, CA market, holds $1.2B in deposits across 6 insured institutions and 7 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 24.1% share. The top three institutions hold 71.2% of deposits, which places the county in the concentrated band. Deposits have grown 11.3% since 2020 while the branch count fell by 1. It produces $2.5B of output, ranking #838 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 8 in 2020 to 7 in 2025. Institutions: 6 to 6. Top-three share: 68.0% to 71.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $282M | 24.1% | +43% |
| Wells Fargo Bank, National Association | $282M | 24.1% | +24% |
| U.S. Bank National Association | $269M | 23.0% | -8% |
| Bank of America, National Association | $186M | 15.9% | +15% |
| Mechanics Bank | $81M | 6.9% | -38% |
| Heritage Bank of Commerce | $70M | 6.0% | +60% |
The 6 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 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 San Jose-San Francisco-Oakland market
San Benito County is one of 13 counties that make up the San Jose-San Francisco-Oakland, CA market, a Combined Statistical Area (ranked #3 of 293 U.S. markets by economic output). It produces 0.2% of the market’s output and holds 0.2% of its deposits.
| Measure | San Benito County | Share of San Jose-San Francisco-Oakland market |
|---|---|---|
| 2024 GDP | $2.5B | 0.2% |
| Deposits | $1.2B | 0.2% |
| Population | 70,082 | 0.8% |
View the full San Jose-San Francisco-Oakland market profile →
Recruiting in San Benito 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 San Benito County, on a retained basis.
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