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 8.8%. It produces $38.9B of output, ranking #120 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$38.9B
#120 of 1,523
Population
759,859
#88 of 1,523
GDP per Capita
$51,231
#545 of 1,523
Deposit market
Total Deposits
$24.9B
#98 of 1,523
Deposits per Capita
$32,705
#290 of 1,523
Deposits per Branch
$286M
#50 of 1,523
Competitive structure
Insured Institutions
15
#390 of 1,523
Branches per 100k Pop.
11.4
#1,420 of 1,523
Median Deposits per Institution
$896M
The median deposits booked by a single institution in the county. #7 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
73.5%
of county 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.

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

Total county deposits (nominal), 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%.

A note on this trend. LendingClub Bank booked $9.3 billion at a single office in this county in 2025, a headquarters or online-bank booking, not local retail deposits. That balance was not here in 2020 but appeared by 2025, so the 119.7% increase shown here mainly reflects that reclassification rather than local market activity. Setting such headquarters-booked balances aside, deposits were about $9.1 billion in 2020 and $11.0 billion in 2025. Deposits are recorded where a branch reports them, which can differ from where customers are.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
LendingClub Bank$9.3B37.3%1no 2020 presence
Green Dot Bank DBA Bonneville Bank$4.6B18.4%1+105%
Zions Bancorporation$2.8B11.2%13+40%
JPMorgan Chase Bank$1.7B6.7%9+35%
Central Bank$1.6B6.6%12+46%
Wells Fargo Bank$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$257M1.0%7no 2020 presence
U.S. Bank$204M0.8%6+28%
Bank of Utah$174M0.7%3+89%
KeyBank$86M0.3%3-27%
First Utah Bank$11M0.0%1no 2020 presence
D. L. Evans Bank$7M0.0%1no 2020 presence

The 15 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. “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 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 parent 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.

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