Whitman County, Washington, a core county of the Pullman-Moscow, WA-ID market, holds $862M in deposits across 10 insured institutions and 18 branches. U.S. Bank National Association is the largest deposit holder at 23.9% share. The top three institutions hold 55.7% of deposits, which places the county in the moderately concentrated band. Deposits have grown 1.0% since 2020 while the branch count fell by 2. It produces $2.5B of output, ranking #844 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 20 in 2020 to 18 in 2025. Institutions: 12 to 10. Top-three share: 55.0% to 55.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank National Association | $206M | 23.9% | -15% |
| Umpqua Bank | $148M | 17.1% | -5% |
| JPMorgan Chase Bank, National Association | $127M | 14.7% | +12% |
| Banner Bank | $109M | 12.7% | +10% |
| Washington Trust Bank | $79M | 9.2% | +15% |
| Washington Federal Bank | $59M | 6.8% | -7% |
| Lamont Bank of St. John | $52M | 6.0% | +22% |
| State Bank Northwest | $33M | 3.9% | +118% |
| First Interstate Bank | $27M | 3.2% | -10% |
| Bank of Eastern Oregon | $23M | 2.6% | +53% |
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 Pullman-Moscow market
Whitman County is one of 2 counties that make up the Pullman-Moscow, WA-ID market, a Combined Statistical Area (ranked #280 of 293 U.S. markets by economic output). It produces 60.2% of the market’s output and holds 56.3% of its deposits.
| Measure | Whitman County | Share of Pullman-Moscow market |
|---|---|---|
| 2024 GDP | $2.5B | 60.2% |
| Deposits | $862M | 56.3% |
| Population | 48,512 | 53.7% |
See the Pullman-Moscow market in Market Intelligence →
Recruiting in Whitman 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 Whitman County, on a retained basis.
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