Market Intelligence

Utah County, UT

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

Utah County, Utah, a core county of the Salt Lake City-Provo-Orem, UT-ID market, holds $24.9B in deposits across 15 insured institutions and 87 branches. LendingClub Bank, National Association is the largest deposit holder at 37.2% share. The top three institutions hold 66.8% of deposits, which places the county in the concentrated band. Deposits have grown 119.7% since 2020 while the branch count rose by 7. It produces $38.9B of output, ranking #120 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$38.9B
#120 of 1,523
Total Deposits
$24.9B
#98 of 1,523
Population
759,859
#88 of 1,523
GDP per Capita
$51,231
#545 of 1,523
Insured Institutions
15
#390 of 1,523
Deposits per Branch
$286M
#50 of 1,523
Deposits per Capita
$32,705
#290 of 1,523
Branches per 100k Pop.
11.4
#1,420 of 1,523
Median Institution Size
$896M
Median deposits of the institutions operating in the county. #7 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
73.5%
of market deposits held by banks with $100M to $50B in assets. #616 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
66.8%
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+119.7% over 5 years
$11.3B
2020
$16.4B
2021
$21.6B
2022
$21.6B
2023
$23.4B
2024
$24.9B
2025

Branches: 80 in 2020 to 87 in 2025. Institutions: 11 to 15. Top-three share: 54.7% to 66.8%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
LendingClub Bank, National Association$9.3B37.2%1no 2020 presence
Green Dot Bank DBA Bonneville Bank$4.6B18.4%1+105%
Zions Bancorporation, N.A.$2.8B11.2%13+40%
JPMorgan Chase Bank, National Association$1.7B6.7%9+35%
Central Bank$1.6B6.6%12+46%
Wells Fargo Bank, National Association$1.6B6.4%10-19%
Glacier Bank$1.4B5.7%11no 2020 presence
Capital Community Bank$896M3.6%4+158%
NBH Bank$310M1.2%5no 2020 presence
Bank of America, National Association$257M1.0%7no 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 Salt Lake City-Provo-Orem market

Utah County is one of 11 counties that make up the Salt Lake City-Provo-Orem, UT-ID market, a Combined Statistical Area (ranked #24 of 293 U.S. markets by economic output). It produces 19.1% of the market’s output and holds 2.3% of its deposits.

MeasureUtah CountyShare of Salt Lake City-Provo-Orem market
2024 GDP$38.9B19.1%
Deposits$24.9B2.3%
Population759,85926.1%

View the full Salt Lake City-Provo-Orem market profile →

Recruiting in Utah 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 Utah County, on a retained basis.

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