San Bernardino County, California, a core county of the Los Angeles-Long Beach, CA market, holds $38.3B in deposits across 29 insured institutions and 200 branches. JPMorgan Chase Bank is the largest deposit holder at 25.2% share. The top three banks hold 62% of deposits, which places the county in the Concentrated band. Deposits have grown 5.5% since 2021 while the branch count fell by 9.9%. It produced $105.2B of real gross domestic product in 2024, ranking #42 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: 222 in 2021 to 200 in 2026. Institutions: 31 to 29. Top-three share: 62% to 62%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| JPMorgan Chase Bank | $9.7B | 25.2% | +30% |
| Bank of America | $8.3B | 21.5% | -2% |
| Wells Fargo Bank | $5.9B | 15.3% | -12% |
| U.S. Bank | $3.7B | 9.6% | -2% |
| Citizens Business Bank | $2.5B | 6.5% | -19% |
| Citibank | $1.4B | 3.6% | +14% |
| Flagstar Bank | $1.2B | 3.1% | +50% |
| East West Bank | $1000M | 2.6% | +42% |
| Banc of California | $679M | 1.8% | -29% |
| Fifth Third Bank | $645M | 1.7% | +490% |
| Chino Commercial Bank | $375M | 1.0% | +24% |
| Columbia Bank | $333M | 0.9% | +6% |
| Cathay Bank | $322M | 0.8% | +79% |
| City National Bank | $304M | 0.8% | -26% |
| Mechanics Bank | $280M | 0.7% | +436% |
| Banner Bank | $273M | 0.7% | +7% |
| Zions Bancorporation | $230M | 0.6% | -16% |
| BMO Bank | $209M | 0.5% | -38% |
| First-Citizens Bank & Trust Company | $172M | 0.4% | -12% |
| Golden State Bank | $168M | 0.4% | +40% |
| Sunflower Bank | $166M | 0.4% | -3% |
| Bank of Hope | $152M | 0.4% | -2% |
| PNC Bank | $127M | 0.3% | -54% |
| First Bank | $114M | 0.3% | no 2021 presence |
| EverBank | $98M | 0.3% | +262% |
| Provident Savings Bank, F.S.B. | $79M | 0.2% | -27% |
| American Continental Bank | $45M | 0.1% | -4% |
| First Commercial Bank (USA) | $16M | <0.1% | +66% |
| First Pacific Bank | $14M | <0.1% | no 2021 presence |
The 29 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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
San Bernardino 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 7.8% of the market’s output and holds 5.0% of its deposits.
| Measure | San Bernardino County | Share of parent market |
|---|---|---|
| 2024 GDP | $105.2B | 7.8% |
| Deposits | $38.3B | 5.0% |
| Population | 2,224,091 | 12.1% |
View the full Los Angeles-Long Beach market profile →
Recruiting in San Bernardino 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 Bernardino County.
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