Santa Rosa-Petaluma, CA holds $19.4 billion in deposits across 14 insured institutions and 94 branches, ranking #95 of 293 U.S. markets by economic output. Wells Fargo Bank is the largest deposit holder at 25.5% share. The top three institutions hold 54.0% of deposits, which places the market in the moderate band. Deposits have grown 16% since 2020 while the branch count fell by 21.
Deposit trend
Branches: 115 in 2020 to 94 in 2025. Institutions: 20 to 14. Top-three share: 48.8% to 54.0%. Deposits per branch: $206M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Wells Fargo Bank | 4.9B | 25.5% | +46% |
| Exchange Bank | 2.8B | 14.6% | +8% |
| Poppy Bank | 2.7B | 14.0% | +102% |
| JPMorgan Chase Bank | 2.3B | 11.9% | +39% |
| Bank of America | 2.0B | 10.3% | -7% |
| Washington Federal Bank | 1.2B | 6.0% | new since 2020 |
| Summit State Bank | 0.9B | 4.8% | +30% |
| Westamerica Bank | 0.6B | 3.3% | -14% |
| BMO Bank | 0.6B | 2.8% | new since 2020 |
| U.S. Bank | 0.4B | 2.1% | +37% |
The 10 largest of 14 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Sonoma County | California | $30,869M | 486,444 | 100.0% |
Recruiting in Santa Rosa
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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