County banking markets / CA / 06071
San BernardinoCalifornia
FIPS 06071. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 56 counties in California’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,115) and unconcentrated on deposits (1,478).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
211 branch offices and 46 institutions in 1994; 202 and 29 in 2025. Deposits booked in the county went from $8.63B to $38.47B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association cert 628 | $9.19B | 23.90% | 37 | 18.32% |
| 2 | Bank of America, National Association cert 3510 | $8.44B | 21.94% | 28 | 13.86% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $5.78B | 15.01% | 30 | 14.85% |
| 4 | U.S. Bank National Association cert 6548 | $3.58B | 9.31% | 34 | 16.83% |
| 5 | Citizens Business Bank cert 21716 | $2.82B | 7.34% | 8 | 3.96% |
| 6 | Flagstar Bank, National Association cert 32541 | $2.15B | 5.60% | 9 | 4.46% |
| 7 | Citibank, National Association cert 7213 | $1.40B | 3.63% | 7 | 3.47% |
| 8 | East West Bank cert 31628 | $910.2M | 2.37% | 3 | 1.49% |
| 9 | Banc of California cert 24045 | $674.7M | 1.75% | 5 | 2.48% |
| 10 | Chino Commercial Bank, N.A. cert 35366 | $357.8M | 0.93% | 4 | 1.98% |
| 11 | Cathay Bank cert 18503 | $332.9M | 0.87% | 2 | 0.99% |
| 12 | Pacific Premier Bank, National Association cert 32172 | $322.7M | 0.84% | 3 | 1.49% |
| 13 | HomeStreet Bank cert 32489 | $322.0M | 0.84% | 4 | 1.98% |
| 14 | Banner Bank cert 28489 | $258.5M | 0.67% | 3 | 1.49% |
| 15 | City National Bank cert 17281 | $252.7M | 0.66% | 1 | 0.50% |
| 16 | Zions Bancorporation, N.A. cert 2270 | $232.8M | 0.61% | 4 | 1.98% |
| 17 | BMO Bank National Association cert 16571 | $221.6M | 0.58% | 3 | 1.49% |
| 18 | First Foundation Bank cert 58647 | $180.0M | 0.47% | 3 | 1.49% |
| 19 | PNC Bank, National Association cert 6384 | $158.4M | 0.41% | 2 | 0.99% |
| 20 | Bank of Hope cert 26610 | $154.9M | 0.40% | 1 | 0.50% |
| 21 | Golden State Bank cert 57585 | $153.8M | 0.40% | 1 | 0.50% |
| 22 | First Bank cert 12229 | $150.9M | 0.39% | 1 | 0.50% |
| 23 | First-Citizens Bank & Trust Company cert 11063 | $140.8M | 0.37% | 1 | 0.50% |
| 24 | Comerica Bank cert 983 | $104.3M | 0.27% | 3 | 1.49% |
| 25 | Provident Savings Bank, F.S.B. cert 30879 | $79.2M | 0.21% | 1 | 0.50% |
| 26 | American Continental Bank cert 57444 | $41.8M | 0.11% | 1 | 0.50% |
| 27 | EverBank, National Association cert 34775 | $27.2M | 0.07% | 1 | 0.50% |
| 28 | First Commercial Bank (USA) cert 34496 | $13.6M | 0.04% | 1 | 0.50% |
| 29 | First Pacific Bank cert 58218 | $10.7M | 0.03% | 1 | 0.50% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to California, or read the methodology for the two HHI constructions and what they cannot tell you.