Market Intelligence

Torrance County, NM

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Torrance County, New Mexico, a county in the Albuquerque-Santa Fe-Los Alamos, NM market, holds $192M in deposits across 3 insured institutions and 3 branches. Wells Fargo Bank, National Association is the largest deposit holder at 52.4% share. The top three institutions hold 100.0% of deposits, which places the county in the concentrated band. Deposits have grown 27.7% since 2020. It produces $683M of output, ranking #1,289 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$683M
#1,289 of 1,523
Total Deposits
$192M
#1,415 of 1,523
Population
16,100
#1,367 of 1,523
GDP per Capita
$42,431
#822 of 1,523
Insured Institutions
3
#1,399 of 1,523
Deposits per Branch
$64M
#1,180 of 1,523
Deposits per Capita
$11,931
#1,351 of 1,523
Branches per 100k Pop.
18.6
#1,096 of 1,523
Median Institution Size
$67M
Median deposits of the institutions operating in the county. #1,231 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
12.6%
of market deposits held by banks with $100M to $50B in assets. #1,449 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 Deposit Share: concentrated
100.0%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+27.7% over 5 years
$150M
2020
$190M
2021
$201M
2022
$190M
2023
$186M
2024
$192M
2025

Branches: 3 in 2020 to 3 in 2025. Institutions: 3 to 3. Top-three share: 100.0% to 100.0%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Wells Fargo Bank, National Association$101M52.4%1+61%
U.S. Bank National Association$67M35.0%1+4%
United Business Bank$24M12.6%1+4%

The 3 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Albuquerque-Santa Fe-Los Alamos market

Torrance County is one of 9 counties that make up the Albuquerque-Santa Fe-Los Alamos, NM market, a Combined Statistical Area (ranked #60 of 293 U.S. markets by economic output). It produces 1.1% of the market’s output and holds 0.8% of its deposits.

MeasureTorrance CountyShare of Albuquerque-Santa Fe-Los Alamos market
2024 GDP$683M1.1%
Deposits$192M0.8%
Population16,1001.4%

View the full Albuquerque-Santa Fe-Los Alamos market profile →

Recruiting in Torrance 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 Torrance County, on a retained basis.

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