Idaho
Branch-office deposits reported to the FDIC Summary of Deposits survey by institutions operating in Idaho, June 30 of each survey year, 1994–2025. Dollar figures are the survey’s thousands-of-USD unit displayed as $B/$T.
Deposits, 1994–2025
Office-assigned deposits at branches in Idaho went from $9.28B in 1994 to $39.46B in 2025, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. State-level aggregate of branch rows. Methodology
Branches and institutions
The branch network in Idaho peaked at 543 offices in 2009; the 2025 survey counts 397. The institution count moved from 26 (1994) to 31 (2025).
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Deposit concentration (HHI)
Statewide institution-share HHI: the sum of squared percent shares of each institution’s in-state deposits, 0–10,000. The shaded bands are the agencies’ 2010 Horizontal Merger Guidelines classification (section 5.3): unconcentrated below 1,500, moderately concentrated 1,500–2,500, highly concentrated above 2,500. The dashed line marks the 2023 Merger Guidelines threshold, under which markets with an HHI above 1,800 are highly concentrated (Guideline 1). Idaho’s HHI is 873 in 2025 (unconcentrated on the 2010 bands), against 1980 in 1994 and a span peak of 2008 in 1995. A statewide HHI is descriptive: merger review defines banking markets locally, not by state.
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | DOJ & FTC, Merger Guidelines (2023), Guideline 1 HHI computed from FDIC Summary of Deposits branch rows, June 30 of each survey year, 1994-2025. Methodology
Largest institutions by in-state deposits, 2025
Branch rows grouped by FDIC certificate; names as reported to the survey. Share is of all SOD deposits booked in Idaho that year, the same shares the statewide HHI squares and sums.
| # | Institution | Deposits | Share | Branches |
|---|---|---|---|---|
| 1 | U.S. Bank National Association cert 6548 | $6.72B | 17.03% | 51 |
| 2 | Wells Fargo Bank, National Association cert 3511 | $6.52B | 16.53% | 44 |
| 3 | Glacier Bank cert 30788 | $3.21B | 8.12% | 37 |
| 4 | D. L. Evans Bank cert 11666 | $2.77B | 7.02% | 32 |
| 5 | Zions Bancorporation, N.A. cert 2270 | $2.62B | 6.63% | 25 |
| 6 | JPMorgan Chase Bank, National Association cert 628 | $1.85B | 4.68% | 17 |
| 7 | The Bank of Commerce cert 18059 | $1.69B | 4.28% | 16 |
| 8 | Bank of America, National Association cert 3510 | $1.67B | 4.23% | 5 |
| 9 | First Interstate Bank cert 1105 | $1.64B | 4.16% | 20 |
| 10 | Washington Trust Bank cert 1281 | $1.57B | 3.99% | 12 |
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2025. Deposits are office-assigned; an institution's internal allocation practices shape where its balances appear. Methodology
County concentration extremes, 2025
The most and least concentrated of Idaho’s 40 counties in the survey, by county-level deposit HHI. A county served by a single institution sits at the 10,000 ceiling by construction; thin county markets are the norm outside metros.
Most concentrated
| County | HHI | Inst. | Branches |
|---|---|---|---|
| Camas | 10000 | 1 | 1 |
| Custer | 10000 | 1 | 1 |
| Fremont | 10000 | 1 | 3 |
| Lewis | 10000 | 1 | 1 |
| Oneida | 10000 | 1 | 1 |
Least concentrated
| County | HHI | Inst. | Branches |
|---|---|---|---|
| Canyon | 963 | 18 | 37 |
| Ada | 1215 | 23 | 108 |
| Nez Perce | 1602 | 7 | 8 |
| Bannock | 1661 | 9 | 17 |
| Latah | 1694 | 7 | 7 |
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30, 2025. County HHIs use institution shares of summed branch deposits within the county. Methodology
Back to the national overview, or see the methodology for the survey definition, the HHI construction, and the office-assignment caveat.