Market Intelligence

Santa Clara County, CA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market Intelligence › San Jose-San Francisco-Oakland, CA › Santa Clara County

Santa Clara County, California, a core county of the San Jose-San Francisco-Oakland, CA market, holds $158.4B in deposits across 44 insured institutions and 288 branches. First-Citizens Bank & Trust Company is the largest deposit holder at 24.5% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have fallen 12.2% since 2020 while the branch count fell by 20.9%. It produces $399.2B of output, ranking #6 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$399.2B
#6 of 1,523
Population
1,914,391
#18 of 1,523
GDP per Capita
$208,505
#10 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$158.4B
#21 of 1,523
Deposits per Capita
$82,761
#30 of 1,523
Deposits per Branch
$550M
#17 of 1,523
Competitive structure
Insured Institutions
44
#32 of 1,523
Branches per 100k Pop.
15.0
#1,286 of 1,523
Median Deposits per Institution
$262M
The median deposits booked by a single institution in the county. #206 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
15.8%
of county deposits held by banks with $100M to $100B in assets. #1,474 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
59%
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)-12.2% over 5 years
$180.4B
2020
$262.3B
2021
$294.2B
2022
$159.3B
2023
$158.3B
2024
$158.4B
2025

Branches: 364 in 2020 to 288 in 2025. Institutions: 45 to 44. Top-three share: 63% to 59%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First-Citizens Bank & Trust Company$38.8B24.5%3-38%
Wells Fargo Bank$33.1B20.9%45+13%
Bank of America$22.2B14.0%43-2%
JPMorgan Chase Bank$21.2B13.4%50-2%
Citibank$7.9B5.0%22-3%
Western Alliance Bank$6.9B4.4%1+7%
U.S. Bank$6.2B3.9%28+31%
Comerica Bank$4.7B3.0%13-41%
BMO Bank$3.0B1.9%23-33%
Heritage Bank of Commerce$2.8B1.7%6+31%
East West Bank$2.2B1.4%4+120%
Avidbank$2.0B1.3%1+59%
CTBC Bank Corp. (USA)$1.2B0.8%2+24%
Cathay Bank$1.0B0.6%5+2%
Pinnacle Bank$576M0.4%3+36%
HSBC Bank USA$569M0.4%1-68%
Washington Federal Bank$448M0.3%2no 2020 presence
PNC Bank$353M0.2%2+371%
City National Bank$335M0.2%3-22%
Bank of Hope$319M0.2%1+9%
Fremont Bank$298M0.2%2+24%
Zions Bancorporation$278M0.2%3-32%
Poppy Bank$246M0.2%2-10%
EverTrust Bank$238M0.2%2+71%
United Business Bank$230M0.1%2+16%
Hanmi Bank$176M0.1%1+6%
Safra National Bank of New York$173M0.1%1no 2020 presence
West Coast Community Bank$147M0.1%1+158%
State Bank of India (California)$137M0.1%1+8%
Golden Bank$126M0.1%1no 2020 presence
First Commercial Bank (USA)$118M0.1%1+43%
Open Bank$80M0.1%1+85%
GBC International Bank$69M<0.1%1+24%
First Bank$59M<0.1%1+15%
Commercial Bank of California$51M<0.1%1no 2020 presence
Umpqua Bank$49M<0.1%1-36%
Mechanics Bank$33M<0.1%1-36%
HomeStreet Bank$30M<0.1%1-44%
Metropolitan Bank$26M<0.1%1+14%
EverBank$21M<0.1%1no 2020 presence
Altos Bank$17M<0.1%1no 2020 presence
United Security Bank$12M<0.1%1-29%
Flagstar Bank$3M<0.1%1no 2020 presence
Exchange Bank$0M0.0%1no 2020 presence

The 44 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 Jose-San Francisco-Oakland market

Santa Clara 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 32.8% of the market’s output and holds 23.4% of its deposits.

MeasureSanta Clara CountyShare of parent market
2024 GDP$399.2B32.8%
Deposits$158.4B23.4%
Population1,914,39120.9%

View the full San Jose-San Francisco-Oakland market profile →

Recruiting in Santa Clara 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 Clara County.

See how we help banks recruit commercial banking talent

Other counties in the San Jose-San Francisco-Oakland market

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.