Market Intelligence

Washington County, UT

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market IntelligenceSt. George, UT › Washington County

Washington County, Utah, a core county of the St. George, UT market, holds $3.9B in deposits across 10 insured institutions and 32 branches. Zions Bancorporation, N.A. is the largest deposit holder at 30.9% share. The top three banks hold 68% of deposits, which places the county in the Concentrated band. Deposits have grown 28.1% since 2020 while the branch count rose by 6.7%. It produces $8.8B of output, ranking #399 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$8.8B
#399 of 1,523
Population
213,670
#335 of 1,523
GDP per Capita
$41,291
#863 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$3.9B
#412 of 1,523
Deposits per Capita
$18,242
#990 of 1,523
Deposits per Branch
$122M
#366 of 1,523
Competitive structure
Insured Institutions
10
#725 of 1,523
Branches per 100k Pop.
15.0
#1,293 of 1,523
Median Deposits per Institution
$249M
The median deposits booked by a single institution in the county. #226 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
73.0%
of county deposits held by banks with $100M to $100B in assets. #748 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
68%
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, 2020 to 2025)+28.1% over 5 years
$3.0B
2020
$3.7B
2021
$4.2B
2022
$3.7B
2023
$3.8B
2024
$3.9B
2025

Branches: 30 in 2020 to 32 in 2025. Institutions: 8 to 10. Top-three share: 68% to 68%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Zions Bancorporation$1.2B30.9%8+41%
State Bank of Southern Utah$728M18.7%5+63%
Cache Valley Bank$698M17.9%4+44%
Wells Fargo Bank$557M14.3%5-24%
JPMorgan Chase Bank$310M7.9%3+37%
U.S. Bank$187M4.8%2+39%
Glacier Bank$134M3.4%2no 2020 presence
Capital Community Bank$28M0.7%1no 2020 presence
Bank of Utah$26M0.7%1no 2020 presence
NBH Bank$22M0.6%1no 2020 presence

The 10 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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 St. George market

Washington County is the only county in the St. George, UT market, a Metropolitan Statistical Area (ranked #210 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.

MeasureWashington CountyShare of parent market
2024 GDP$8.8B100.0%
Deposits$3.9B100.0%
Population213,670100.0%

View the full St. George market profile →

Recruiting in Washington 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 Washington County.

See how we help banks recruit commercial banking talent