Market Intelligence

Walla Walla County, WA

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Walla Walla County, Washington, a core county of the Kennewick-Richland-Walla Walla, WA market, holds $1.5B in deposits across 6 insured institutions and 14 branches. Banner Bank is the largest deposit holder at 39.0% share. The top three banks hold 82% of deposits, which places the county in the Concentrated band. Deposits have fallen 3.7% since 2021 while the branch count fell by 26.3%. It produced $3.5B of real gross domestic product in 2024, ranking #716 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$3.5B
#716 of 1,523
Population
62,361
#828 of 1,523
GDP per Capita
$56,672
#426 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$1.5B
#770 of 1,523
Deposits per Capita
$24,058
#685 of 1,523
Deposits per Branch
$107M
#528 of 1,523
Competitive structure
Insured Institutions
6
#1,133 of 1,523
Branches per 100k Pop.
22.4
#858 of 1,523
Median Deposits per Institution
$112M
The median deposits booked by a single institution in the county. #807 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
85.0%
of county deposits held by banks with $100M to $100B in assets. #471 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: Concentrated
82%
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, 2021 to 2026)-3.7% over 5 years
$1.6B
2021
$1.7B
2022
$1.8B
2023
$1.6B
2024
$1.5B
2025
$1.5B
2026

Branches: 19 in 2021 to 14 in 2026. Institutions: 8 to 6. Top-three share: 83% to 82%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Banner Bank$585M39.0%5-7%
Baker-Boyer National Bank$530M35.3%5-3%
JPMorgan Chase Bank$118M7.8%1+1%
U.S. Bank$107M7.2%1+63%
Columbia Bank$83M5.6%1-12%
WaFd Bank$77M5.1%1+20%

The 6 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Kennewick-Richland-Walla Walla market

Walla Walla County is one of 3 counties that make up the Kennewick-Richland-Walla Walla, WA market, a Combined Statistical Area (ranked #129 of 293 U.S. markets by economic output). It produces 16.8% of the market’s output and holds 27.7% of its deposits.

MeasureWalla Walla CountyShare of parent market
2024 GDP$3.5B16.8%
Deposits$1.5B27.7%
Population62,36116.1%

View the full Kennewick-Richland-Walla Walla market profile →

Recruiting in Walla Walla 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 Walla Walla County.

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