Tulare County, California, a core county of the Visalia, CA market, holds $7.3B in deposits across 13 insured institutions and 47 branches. Bank of the Sierra is the largest deposit holder at 21.6% share. The top three institutions hold 56.0% of deposits, which places the county in the moderately concentrated band. Deposits have grown 16.6% since 2020 while the branch count fell by 8. It produces $19.5B of output, ranking #220 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 55 in 2020 to 47 in 2025. Institutions: 14 to 13. Top-three share: 53.5% to 56.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of the Sierra | $1.6B | 21.6% | +27% |
| Bank of America, National Association | $1.3B | 18.1% | +19% |
| Wells Fargo Bank, National Association | $1.2B | 16.4% | +19% |
| JPMorgan Chase Bank, National Association | $755M | 10.3% | +83% |
| Citizens Business Bank | $648M | 8.9% | +44% |
| BMO Bank National Association | $466M | 6.4% | +4% |
| Mechanics Bank | $332M | 4.5% | +23% |
| U.S. Bank National Association | $316M | 4.3% | -12% |
| Community West Bank | $260M | 3.6% | +10% |
| Mission Bank | $174M | 2.4% | no 2020 presence |
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 Visalia market
Tulare County is the only county in the Visalia, CA market, a Metropolitan Statistical Area (ranked #139 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 | Tulare County | Share of Visalia market |
|---|---|---|
| 2024 GDP | $19.5B | 100.0% |
| Deposits | $7.3B | 100.0% |
| Population | 485,146 | 100.0% |
View the full Visalia market profile →
Recruiting in Tulare 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 Tulare County, on a retained basis.
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