Spokane-Spokane Valley-Coeur d'Alene, WA-ID, a Combined Statistical Area, holds $19.3 billion in deposits across 18 insured institutions and 117 branches, ranking #82 of 293 U.S. markets by economic output. Umpqua Bank is the largest deposit holder at 22.1% share. The top three institutions hold 55.0% of deposits, which places the market in the moderate band. Deposits have grown 31.8% since 2020 while the branch count fell by 19.3%.
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: 145 in 2020 to 117 in 2025. Institutions: 19 to 18. Top-three share: 50.8% to 55.0%. Deposits per branch: $165M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Umpqua Bank | $4.3B | 22.1% | +200% |
| Washington Trust Bank | $3.9B | 20.0% | +16% |
| Bank of America | $2.5B | 12.8% | -4% |
| Wells Fargo Bank | $1.9B | 9.6% | +26% |
| U.S. Bank | $1.7B | 8.6% | +10% |
| JPMorgan Chase Bank | $1.3B | 6.9% | +35% |
| First Interstate Bank | $1.0B | 5.2% | +22% |
| Glacier Bank | $1.0B | 5.1% | +33% |
| Banner Bank | $0.9B | 4.8% | 0% |
| RiverBank | $0.3B | 1.3% | +75% |
| Washington Federal Bank | $208M | 1.1% | +37% |
| State Bank Northwest | $155M | 0.8% | +3% |
| bankcda | $150M | 0.8% | +22% |
| KeyBank | $104M | 0.5% | -6% |
| Northwest Bank | $50M | 0.3% | +172% |
| Idaho Trust Bank | $18M | 0.1% | -12% |
| Sunflower Bank | $4M | 0.0% | no 2020 presence |
| Davidson Trust Co. | $0M | 0.0% | no 2020 presence |
The 18 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
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Spokane County | Washington | $31.3B | 558,344 | 75.6% | 73.1% |
| Kootenai County | Idaho | $8.8B | 191,864 | 21.2% | 25.2% |
| Stevens County | Washington | $1.3B | 49,668 | 3.2% | 1.7% |
Recruiting in the Spokane-Spokane Valley-Coeur d'Alene market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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