County banking markets / CA / 06075
San FranciscoCalifornia
FIPS 06075. 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 (923) and highly concentrated on deposits (4,205).
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
289 branch offices and 68 institutions in 1994; 206 and 46 in 2025. Deposits booked in the county went from $33.68B to $298.99B, 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 | Bank of America, National Association cert 3510 | $185.64B | 62.09% | 28 | 13.59% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $49.49B | 16.55% | 32 | 15.53% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $19.97B | 6.68% | 34 | 16.50% |
| 4 | Bank of America California, National Association cert 25178 | $12.60B | 4.21% | 1 | 0.49% |
| 5 | Citibank, National Association cert 7213 | $8.29B | 2.77% | 21 | 10.19% |
| 6 | HSBC Bank USA, National Association cert 57890 | $4.76B | 1.59% | 1 | 0.49% |
| 7 | East West Bank cert 31628 | $2.73B | 0.91% | 10 | 4.85% |
| 8 | BMO Bank National Association cert 16571 | $2.37B | 0.79% | 9 | 4.37% |
| 9 | U.S. Bank National Association cert 6548 | $1.88B | 0.63% | 10 | 4.85% |
| 10 | Citizens Bank, National Association cert 57957 | $1.65B | 0.55% | 1 | 0.49% |
| 11 | City National Bank cert 17281 | $1.16B | 0.39% | 1 | 0.49% |
| 12 | EverBank, National Association cert 34775 | $1.13B | 0.38% | 12 | 5.83% |
| 13 | Comerica Bank cert 983 | $981.9M | 0.33% | 1 | 0.49% |
| 14 | Zions Bancorporation, N.A. cert 2270 | $734.0M | 0.25% | 3 | 1.46% |
| 15 | Bank of the Orient cert 20387 | $593.3M | 0.20% | 4 | 1.94% |
| 16 | Bank of San Francisco cert 58069 | $582.2M | 0.19% | 1 | 0.49% |
| 17 | The Northern Trust Company cert 913 | $541.2M | 0.18% | 1 | 0.49% |
| 18 | Five Star Bank cert 35361 | $455.2M | 0.15% | 1 | 0.49% |
| 19 | Amalgamated Bank cert 622 | $397.3M | 0.13% | 1 | 0.49% |
| 20 | Flagstar Bank, National Association cert 32541 | $388.2M | 0.13% | 1 | 0.49% |
| 21 | Preferred Bank cert 33539 | $303.6M | 0.10% | 2 | 0.97% |
| 22 | Industrial and Commercial Bank of China USA, National Association cert 24387 | $285.8M | 0.10% | 3 | 1.46% |
| 23 | Heritage Bank of Commerce cert 33905 | $244.4M | 0.08% | 1 | 0.49% |
| 24 | Cathay Bank cert 18503 | $237.3M | 0.08% | 3 | 1.46% |
| 25 | Mission National Bank cert 23749 | $194.4M | 0.07% | 1 | 0.49% |
| 26 | Tri Counties Bank cert 21943 | $184.1M | 0.06% | 2 | 0.97% |
| 27 | First Bank cert 12229 | $173.1M | 0.06% | 2 | 0.97% |
| 28 | United Business Bank cert 57716 | $152.0M | 0.05% | 1 | 0.49% |
| 29 | Fremont Bank cert 19222 | $124.3M | 0.04% | 1 | 0.49% |
| 30 | Poppy Bank cert 57903 | $100.6M | 0.03% | 1 | 0.49% |
| 31 | Umpqua Bank cert 17266 | $97.6M | 0.03% | 1 | 0.49% |
| 32 | BEACON BUSINESS BANK, NATIONAL ASSOCIATION cert 25644 | $82.9M | 0.03% | 1 | 0.49% |
| 33 | GBC International Bank cert 22366 | $78.9M | 0.03% | 1 | 0.49% |
| 34 | Mechanics Bank cert 1768 | $71.5M | 0.02% | 1 | 0.49% |
| 35 | First Federal Savings and Loan Association of San Rafael cert 31406 | $61.4M | 0.02% | 1 | 0.49% |
| 36 | Bank of Guam cert 20884 | $53.1M | 0.02% | 1 | 0.49% |
| 37 | Metropolitan Bank cert 25869 | $47.6M | 0.02% | 1 | 0.49% |
| 38 | First-Citizens Bank & Trust Company cert 11063 | $43.7M | 0.01% | 1 | 0.49% |
| 39 | CTBC Bank Corp. (USA) cert 19416 | $43.1M | 0.01% | 1 | 0.49% |
| 40 | Bank of Marin cert 32779 | $30.6M | 0.01% | 1 | 0.49% |
| 41 | Westamerica Bank cert 3430 | $18.3M | 0.01% | 1 | 0.49% |
| 42 | CIBC Bank USA cert 33306 | $17.0M | 0.01% | 1 | 0.49% |
| 43 | CIBC National Trust Company cert 91325 | $0K | 0.00% | 1 | 0.49% |
| 44 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.49% |
| 45 | LendingClub Bank, National Association cert 32551 | $0K | 0.00% | 1 | 0.49% |
| 46 | The Bank of New York Mellon cert 639 | $0K | 0.00% | 1 | 0.49% |
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.