County banking markets / CA / 06073
San DiegoCalifornia
FIPS 06073. 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 (1,141) and unconcentrated on deposits (1,215).
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
538 branch offices and 77 institutions in 1994; 437 and 45 in 2025. Deposits booked in the county went from $22.07B to $127.51B, 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 | $26.19B | 20.54% | 83 | 18.99% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $20.78B | 16.30% | 73 | 16.70% |
| 3 | Axos Bank cert 35546 | $19.22B | 15.07% | 1 | 0.23% |
| 4 | Bank of America, National Association cert 3510 | $15.94B | 12.50% | 57 | 13.04% |
| 5 | U.S. Bank National Association cert 6548 | $11.13B | 8.73% | 70 | 16.02% |
| 6 | Western Alliance Bank cert 57512 | $7.20B | 5.64% | 6 | 1.37% |
| 7 | Zions Bancorporation, N.A. cert 2270 | $4.25B | 3.34% | 21 | 4.81% |
| 8 | Enterprise Bank & Trust cert 27237 | $3.84B | 3.01% | 2 | 0.46% |
| 9 | Citibank, National Association cert 7213 | $2.83B | 2.22% | 16 | 3.66% |
| 10 | PNC Bank, National Association cert 6384 | $2.11B | 1.66% | 6 | 1.37% |
| 11 | Banc of California cert 24045 | $1.83B | 1.44% | 15 | 3.43% |
| 12 | BMO Bank National Association cert 16571 | $1.49B | 1.17% | 5 | 1.14% |
| 13 | CalPrivate Bank cert 58291 | $1.25B | 0.98% | 3 | 0.69% |
| 14 | First-Citizens Bank & Trust Company cert 11063 | $1.02B | 0.80% | 6 | 1.37% |
| 15 | City National Bank cert 17281 | $989.8M | 0.78% | 4 | 0.92% |
| 16 | Banner Bank cert 28489 | $798.8M | 0.63% | 8 | 1.83% |
| 17 | California Bank of Commerce, National Association cert 57044 | $732.0M | 0.57% | 4 | 0.92% |
| 18 | C3bank, National Association cert 25249 | $720.9M | 0.57% | 2 | 0.46% |
| 19 | Pacific Premier Bank, National Association cert 32172 | $718.7M | 0.56% | 5 | 1.14% |
| 20 | Endeavor Bank cert 59099 | $667.8M | 0.52% | 2 | 0.46% |
| 21 | East West Bank cert 31628 | $489.2M | 0.38% | 1 | 0.23% |
| 22 | Comerica Bank cert 983 | $414.4M | 0.32% | 12 | 2.75% |
| 23 | HomeStreet Bank cert 32489 | $289.1M | 0.23% | 5 | 1.14% |
| 24 | Cathay Bank cert 18503 | $252.7M | 0.20% | 1 | 0.23% |
| 25 | Balboa Thrift and Loan Association cert 26704 | $216.4M | 0.17% | 1 | 0.23% |
| 26 | Home Bank of California cert 26271 | $205.3M | 0.16% | 1 | 0.23% |
| 27 | First Bank cert 12229 | $180.2M | 0.14% | 3 | 0.69% |
| 28 | The Northern Trust Company cert 913 | $170.8M | 0.13% | 1 | 0.23% |
| 29 | Neighborhood National Bank cert 34548 | $164.7M | 0.13% | 1 | 0.23% |
| 30 | Hanmi Bank cert 24170 | $158.9M | 0.12% | 1 | 0.23% |
| 31 | State Bank of India (California) cert 23998 | $157.6M | 0.12% | 1 | 0.23% |
| 32 | Umpqua Bank cert 17266 | $154.7M | 0.12% | 2 | 0.46% |
| 33 | Poppy Bank cert 57903 | $147.1M | 0.12% | 4 | 0.92% |
| 34 | Citizens Business Bank cert 21716 | $130.3M | 0.10% | 2 | 0.46% |
| 35 | Bank of Hope cert 26610 | $128.9M | 0.10% | 1 | 0.23% |
| 36 | Shinhan Bank America cert 33188 | $109.3M | 0.09% | 1 | 0.23% |
| 37 | First Pacific Bank cert 58218 | $87.2M | 0.07% | 1 | 0.23% |
| 38 | Sunflower Bank, National Association cert 4767 | $82.3M | 0.06% | 1 | 0.23% |
| 39 | MidFirst Bank cert 4063 | $76.9M | 0.06% | 1 | 0.23% |
| 40 | Monet Bank cert 32574 | $52.5M | 0.04% | 1 | 0.23% |
| 41 | Hatch Bank cert 25803 | $40.7M | 0.03% | 1 | 0.23% |
| 42 | First Foundation Bank cert 58647 | $38.5M | 0.03% | 1 | 0.23% |
| 43 | Community Valley Bank cert 58500 | $33.0M | 0.03% | 2 | 0.46% |
| 44 | Beach Cities Commercial Bank cert 59290 | $24.8M | 0.02% | 1 | 0.23% |
| 45 | Mechanics Bank cert 1768 | $3.5M | 0.00% | 1 | 0.23% |
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.