Lake Havasu City-Kingman, AZ, a Metropolitan Statistical Area, holds $4.3 billion in deposits across 10 insured institutions and 31 branches, ranking #238 of 293 U.S. markets by economic output. JPMorgan Chase Bank is the largest deposit holder at 28.7% share. The top three institutions hold 74.2% of deposits, which places the market in the concentrated band. Deposits have grown 17.1% since 2020 while the branch count fell by 18.4%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 38 in 2020 to 31 in 2025. Institutions: 11 to 10. Top-three share: 64.4% to 74.2%. Deposits per branch: $139M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| JPMorgan Chase Bank | $1.2B | 28.7% | +30% |
| Wells Fargo Bank | $1.2B | 28.3% | +22% |
| Glacier Bank | $0.7B | 17.2% | +75% |
| Zions Bancorporation | $0.3B | 7.6% | +26% |
| U.S. Bank | $0.2B | 5.0% | +57% |
| PNC Bank | $0.2B | 4.9% | +24% |
| Mission Bank | $0.2B | 4.1% | +34% |
| First Savings Bank | $0.1B | 2.9% | +294% |
| Goldwater Bank | $0.0B | 0.9% | no 2020 presence |
| First National Bank Texas | $0.0B | 0.4% | +97% |
The 10 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Mohave County | Arizona | $7.2B | 228,102 | 100.0% | 100.0% |
Recruiting in the Lake Havasu City-Kingman market
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 this one.
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