Market Intelligence › San Diego-Chula Vista-Carlsbad, CA › San Diego County

San Diego County, California, a core county of the San Diego-Chula Vista-Carlsbad, CA market, holds $127.5B in deposits across 45 insured institutions and 437 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 20.5% share. The top three banks hold 52% of deposits, which places the county in the Moderate band. Deposits have grown 15.2% since 2020 while the branch count fell by 22.0%. It produces $266.9B of output, ranking #10 of the 1,523 ranked counties by economic output.

Economic scale

2024 Real GDP

$266.9B

#10 of 1,523

Population

3,282,248

#5 of 1,523

GDP per Capita

$81,324

#123 of 1,523

Deposit market

Deposits (SOD, 6/30/25)

$127.5B

#24 of 1,523

Deposits per Capita

$38,847

#198 of 1,523

Deposits per Branch

$292M

#47 of 1,523

Competitive structure

Insured Institutions

#27 of 1,523

Branches per 100k Pop.

13.3

#1,369 of 1,523

Median Deposits per Institution

$289M

The median deposits booked by a single institution in the county. #172 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

36.0%

of county deposits held by banks with $100M to $100B in assets. #1,278 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: Moderate

52%

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)+15.2% over 5 years

$110.6B

2020

$137.5B

2021

$147.5B

2022

$121.7B

2023

$125.2B

2024

$127.5B

2025

Branches: 560 in 2020 to 437 in 2025. Institutions: 48 to 45. Top-three share: 50% to 52%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
JPMorgan Chase Bank	$26.2B	20.5%	83	+36%
Wells Fargo Bank	$20.8B	16.3%	73	-12%
Axos Bank	$19.2B	15.1%	1	+106%
Bank of America	$15.9B	12.5%	57	+6%
U.S. Bank	$11.1B	8.7%	70	-39%
Western Alliance Bank	$7.2B	5.6%	6	+156%
Zions Bancorporation	$4.3B	3.3%	21	-5%
Enterprise Bank & Trust	$3.8B	3.0%	2	no 2020 presence
Citibank	$2.8B	2.2%	16	+28%
PNC Bank	$2.1B	1.7%	6	+216%
Banc of California	$1.8B	1.4%	15	-5%
BMO Bank	$1.5B	1.2%	5	+22%
CalPrivate Bank	$1.2B	1.0%	3	+104%
First-Citizens Bank & Trust Company	$1.0B	0.8%	6	-8%
City National Bank	$990M	0.8%	4	+11%
Banner Bank	$799M	0.6%	8	+24%
California Bank of Commerce	$732M	0.6%	4	+35%
C3bank	$721M	0.6%	2	+107%
Pacific Premier Bank	$719M	0.6%	5	-26%
Endeavor Bank	$668M	0.5%	2	+242%
East West Bank	$489M	0.4%	1	+226%
Comerica Bank	$414M	0.3%	12	-51%
HomeStreet Bank	$289M	0.2%	5	+9%
Cathay Bank	$253M	0.2%	1	+58%
Balboa Thrift and Loan Association	$216M	0.2%	1	+29%
Home Bank of California	$205M	0.2%	1	+37%
First Bank	$180M	0.1%	3	-20%
The Northern Trust Company	$171M	0.1%	1	-7%
Neighborhood National Bank	$165M	0.1%	1	+112%
Hanmi Bank	$159M	0.1%	1	+59%
State Bank of India (California)	$158M	0.1%	1	+51%
Umpqua Bank	$155M	0.1%	2	-63%
Poppy Bank	$147M	0.1%	4	no 2020 presence
Citizens Business Bank	$130M	0.1%	2	+62%
Bank of Hope	$129M	0.1%	1	+20%
Shinhan Bank America	$109M	0.1%	1	+18%
First Pacific Bank	$87M	0.1%	1	no 2020 presence
Sunflower Bank	$82M	0.1%	1	no 2020 presence
MidFirst Bank	$77M	0.1%	1	no 2020 presence
Monet Bank	$52M	<0.1%	1	+797%
Hatch Bank	$41M	<0.1%	1	+3%
First Foundation Bank	$38M	<0.1%	1	-57%
Community Valley Bank	$33M	<0.1%	2	-20%
Beach Cities Commercial Bank	$25M	<0.1%	1	no 2020 presence
Mechanics Bank	$3M	<0.1%	1	+517%

The 45 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 San Diego-Chula Vista-Carlsbad market

San Diego County is the only county in the San Diego-Chula Vista-Carlsbad, CA market, a Metropolitan Statistical Area (ranked #17 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.

Measure	San Diego County	Share of parent market
2024 GDP	$266.9B	100.0%
Deposits	$127.5B	100.0%
Population	3,282,248	100.0%

View the full San Diego-Chula Vista-Carlsbad market profile →

Recruiting in San Diego County

Deposits are split among a moderate 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 Diego County.

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