Market Intelligence

Sacramento-Roseville, CA

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Sacramento-Roseville, CA

Sacramento-Roseville, CA, a Combined Statistical Area, holds $100.7 billion in deposits across 38 insured institutions and 347 branches, ranking #32 of 293 U.S. markets by economic output. U.S. Bank is the largest deposit holder at 39.8% share. The top three institutions hold 65.2% of deposits, which places the market in the concentrated band. Deposits have grown 44.1% since 2020 while the branch count fell by 15.4%.

Economic scale
2024 Real GDP
$170.7B
#32 of 293
Population
2.77M
#26 of 293
GDP per Capita
$61,705
#78 of 293
Deposit market
Total Deposits
$100.7B
#36 of 293
Deposits per Capita
$36,398
#64 of 293
Deposits per Branch
$290M
#16 of 293
Competitive structure
Insured Institutions
38
#65 of 293
Branches per 100k Pop.
12.5
#282 of 293
Median Deposits per Institution
$438M
The median deposits booked by a single institution in the market. #31 of 293. 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
16.7%
of market deposits held by banks with $100M to $50B in assets. #273 of 293. 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
65.2%
The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

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

Total market deposits (nominal), 2020 to 2025 +44.1% over 5 years
$69.9B
2020
$79.5B
2021
$81.4B
2022
$101.1B
2023
$98.2B
2024
$100.7B
2025

Branches: 410 in 2020 to 347 in 2025. Institutions: 38 to 38. Top-three share: 53.2% to 65.2%. Deposits per branch: $290M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
U.S. Bank$40.0B39.8%34+178%
Wells Fargo Bank$14.7B14.6%58-7%
Bank of America$11.0B10.9%44+6%
JPMorgan Chase Bank$10.5B10.5%45+53%
River City Bank$4.5B4.5%8+68%
Five Star Bank$3.2B3.1%5+74%
Umpqua Bank$2.2B2.2%14+38%
BMO Bank$2.1B2.0%18-44%
El Dorado Savings Bank$1.4B1.4%21+1%
Tri Counties Bank$1.4B1.4%12+22%
First Northern Bank of Dixon$1.1B1.1%10+12%
Citibank$1.0B1.0%5-6%
First-Citizens Bank & Trust Company$831M0.8%3+52%
Farmers & Merchants Bank of Central California$712M0.7%6+37%
Banner Bank$659M0.7%7+12%
PNC Bank$652M0.6%4+191%
River Valley Community Bank$550M0.5%4+42%
Mechanics Bank$526M0.5%3-70%
Zions Bancorporation$461M0.5%2+7%
East West Bank$415M0.4%1+213%
Bank of Marin$353M0.4%5no 2020 presence
Community West Bank$341M0.3%3+23%
Plumas Bank$324M0.3%4+66%
Westamerica Bank$279M0.3%5-28%
Poppy Bank$229M0.2%4+410%
First Foundation Bank$195M0.2%3-10%
First Bank$181M0.2%3-15%
SoFi Bank$167M0.2%3+17%
Beal Bank USA$163M0.2%1+25%
Citizens Business Bank$100M0.1%3no 2020 presence
Bank of Stockton$100M0.1%1+30%
United Business Bank$76M0.1%1+77%
EverBank$70M0.1%1no 2020 presence
Flagstar Bank$53M0.1%1no 2020 presence
Cathay Bank$48M0.0%10%
Exchange Bank$42M0.0%1-26%
Citizens National Bank of Texas$33M0.0%1no 2020 presence
Oak Valley Community Bank$28M0.0%2+122%

The 38 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. “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

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Sacramento CountyCalifornia$106.7B1,618,46062.5%71.6%
Placer CountyCalifornia$26.8B442,08115.7%13.5%
Yolo CountyCalifornia$15.9B224,4109.3%5.0%
El Dorado CountyCalifornia$9.0B192,3235.3%4.0%
Nevada CountyCalifornia$4.8B101,9112.8%2.5%
Sutter CountyCalifornia$4.0B98,7872.4%2.7%
Yuba CountyCalifornia$3.5B88,6912.1%0.6%

Recruiting in the Sacramento-Roseville 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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Other markets in California

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.