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 $135.0B in deposits across 42 insured institutions and 432 branches. JPMorgan Chase Bank is the largest deposit holder at 20.2% share. The top three banks hold 53% of deposits, which places the county in the Moderate band. Deposits have fallen 1.8% since 2021 while the branch count fell by 16.9%. It produced $266.9B of real gross domestic product in 2024, 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, 6/30/26)

$135.0B

#24 of 1,523

Deposits per Capita

$41,138

#179 of 1,523

Deposits per Branch

$313M

#45 of 1,523

Competitive structure

Insured Institutions

#33 of 1,523

Branches per 100k Pop.

13.2

#1,377 of 1,523

Median Deposits per Institution

$670M

The median deposits booked by a single institution in the county. #19 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

38.5%

of county deposits held by banks with $100M to $100B in assets. #1,212 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

53%

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, 2021 to 2026)-1.8% over 5 years

$137.5B

2021

$147.5B

2022

$121.7B

2023

$125.2B

2024

$127.5B

2025

$135.0B

2026

Branches: 520 in 2021 to 432 in 2026. Institutions: 48 to 42. Top-three share: 47% to 53%.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
JPMorgan Chase Bank	$27.3B	20.2%	83	+11%
Axos Bank	$23.1B	17.1%	1	+154%
Wells Fargo Bank	$20.9B	15.5%	72	-21%
Bank of America	$15.8B	11.7%	57	-9%
U.S. Bank	$11.6B	8.6%	68	-41%
Western Alliance Bank	$8.9B	6.6%	6	+59%
Zions Bancorporation	$4.6B	3.4%	21	-9%
Enterprise Bank & Trust	$4.3B	3.2%	2	+201%
Citibank	$2.8B	2.0%	16	+9%
Banc of California	$1.6B	1.2%	13	-42%
PNC Bank	$1.5B	1.1%	6	+119%
BMO Bank	$1.3B	1.0%	4	+6%
CalPrivate Bank	$1.2B	0.9%	3	+79%
City National Bank	$1.2B	0.9%	4	-2%
First-Citizens Bank & Trust Company	$1.0B	0.7%	7	-17%
Banner Bank	$883M	0.7%	8	+21%
Columbia Bank	$844M	0.6%	7	-14%
Fifth Third Bank	$744M	0.6%	12	-13%
Endeavor Bank	$725M	0.5%	2	+170%
C3bank	$708M	0.5%	2	+31%
East West Bank	$708M	0.5%	1	+264%
California Bank of Commerce	$631M	0.5%	4	-10%
Cathay Bank	$267M	0.2%	1	+60%
Balboa Thrift and Loan Association	$197M	0.1%	1	+32%
Mechanics Bank	$196M	0.1%	5	-49%
Home Bank of California	$192M	0.1%	1	+21%
State Bank of India (California)	$186M	0.1%	1	+52%
Neighborhood National Bank	$178M	0.1%	2	+106%
First Bank	$171M	0.1%	3	-30%
Poppy Bank	$168M	0.1%	5	+133%
Hanmi Bank	$163M	0.1%	1	+56%
Citizens Business Bank	$147M	0.1%	2	+54%
The Northern Trust Company	$147M	0.1%	1	-26%
Sunflower Bank	$137M	0.1%	2	+40%
Bank of Hope	$112M	0.1%	1	-7%
Shinhan Bank America	$103M	0.1%	1	-12%
Citizens Bank	$100M	0.1%	1	no 2021 presence
First Pacific Bank	$98M	0.1%	1	no 2021 presence
MidFirst Bank	$82M	0.1%	1	no 2021 presence
Monet Bank	$46M	<0.1%	1	+200%
Hatch Bank	$41M	<0.1%	1	-88%
Beach Cities Commercial Bank	$28M	<0.1%	1	no 2021 presence

The 42 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 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	$135.0B	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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