Spokane-Spokane Valley-Coeur d'Alene, WA-ID 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 32% since 2020 while the branch count fell by 28.
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.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Umpqua Bank | 4.3B | 22.1% | +244% |
| 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% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Spokane County | Washington | $31,291M | 558,344 | 75.6% |
| Kootenai County | Idaho | $8,769M | 191,864 | 21.2% |
| Stevens County | Washington | $1,336M | 49,668 | 3.2% |
Recruiting in Spokane
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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