Santa Barbara County, California, a core county of the Santa Maria-Santa Barbara, CA market, holds $14.2B in deposits across 18 insured institutions and 85 branches. JPMorgan Chase Bank, National Association is the largest deposit holder at 18.1% share. The top three institutions hold 47.9% of deposits, which places the county in the moderately concentrated band. Deposits have fallen 7.5% since 2020 while the branch count fell by 10. It produces $33.5B of output, ranking #139 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 95 in 2020 to 85 in 2025. Institutions: 20 to 18. Top-three share: 48.5% to 47.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| JPMorgan Chase Bank, National Association | $2.6B | 18.1% | +18% |
| Bank of America, National Association | $2.1B | 14.9% | -4% |
| Wells Fargo Bank, National Association | $2.1B | 14.9% | -33% |
| U.S. Bank National Association | $1.6B | 11.6% | -24% |
| Montecito Bank & Trust | $1.6B | 11.3% | +12% |
| Mechanics Bank | $1.1B | 7.7% | -11% |
| American Riviera Bank | $726M | 5.1% | +16% |
| Pacific Premier Bank, National Association | $659M | 4.7% | +6% |
| Community Bank of Santa Maria | $367M | 2.6% | +26% |
| Banc of California | $349M | 2.5% | +65% |
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 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 Santa Maria-Santa Barbara market
Santa Barbara County is the only county in the Santa Maria-Santa Barbara, CA market, a Metropolitan Statistical Area (ranked #92 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 | Santa Barbara County | Share of Santa Maria-Santa Barbara market |
|---|---|---|
| 2024 GDP | $33.5B | 100.0% |
| Deposits | $14.2B | 100.0% |
| Population | 442,065 | 100.0% |
View the full Santa Maria-Santa Barbara market profile →
Recruiting in Santa Barbara 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 Santa Barbara County, on a retained basis.
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