County banking markets / CA / 06081
San MateoCalifornia
FIPS 06081. 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 (963) and moderately concentrated on deposits (1,664).
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
185 branch offices and 43 institutions in 1994; 141 and 29 in 2025. Deposits booked in the county went from $10.32B to $37.23B, 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 | Wells Fargo Bank, National Association cert 3511 | $8.92B | 23.96% | 23 | 16.31% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $8.77B | 23.57% | 25 | 17.73% |
| 3 | Bank of America, National Association cert 3510 | $7.41B | 19.91% | 17 | 12.06% |
| 4 | Citibank, National Association cert 7213 | $2.96B | 7.95% | 10 | 7.09% |
| 5 | U.S. Bank National Association cert 6548 | $2.28B | 6.12% | 13 | 9.22% |
| 6 | Valley National Bank cert 9396 | $1.48B | 3.97% | 1 | 0.71% |
| 7 | East West Bank cert 31628 | $1.07B | 2.89% | 3 | 2.13% |
| 8 | Tri Counties Bank cert 21943 | $931.0M | 2.50% | 8 | 5.67% |
| 9 | BMO Bank National Association cert 16571 | $506.7M | 1.36% | 7 | 4.96% |
| 10 | PNC Bank, National Association cert 6384 | $403.5M | 1.08% | 3 | 2.13% |
| 11 | Heritage Bank of Commerce cert 33905 | $369.7M | 0.99% | 2 | 1.42% |
| 12 | EverBank, National Association cert 34775 | $300.7M | 0.81% | 3 | 2.13% |
| 13 | Cathay Bank cert 18503 | $268.6M | 0.72% | 3 | 2.13% |
| 14 | First-Citizens Bank & Trust Company cert 11063 | $205.2M | 0.55% | 2 | 1.42% |
| 15 | Comerica Bank cert 983 | $163.7M | 0.44% | 5 | 3.55% |
| 16 | The Northern Trust Company cert 913 | $163.7M | 0.44% | 1 | 0.71% |
| 17 | Commercial Bank of California cert 57417 | $147.5M | 0.40% | 1 | 0.71% |
| 18 | Poppy Bank cert 57903 | $145.6M | 0.39% | 1 | 0.71% |
| 19 | Zions Bancorporation, N.A. cert 2270 | $123.3M | 0.33% | 2 | 1.42% |
| 20 | Bank of the Orient cert 20387 | $122.5M | 0.33% | 2 | 1.42% |
| 21 | Industrial and Commercial Bank of China USA, National Association cert 24387 | $96.4M | 0.26% | 1 | 0.71% |
| 22 | City National Bank cert 17281 | $93.5M | 0.25% | 1 | 0.71% |
| 23 | Golden Bank, National Association cert 26223 | $91.1M | 0.24% | 1 | 0.71% |
| 24 | BEACON BUSINESS BANK, NATIONAL ASSOCIATION cert 25644 | $57.9M | 0.16% | 1 | 0.71% |
| 25 | First Bank cert 12229 | $48.9M | 0.13% | 1 | 0.71% |
| 26 | Liberty Bank, National Association cert 35331 | $46.3M | 0.12% | 1 | 0.71% |
| 27 | Southwestern National Bank cert 34319 | $33.8M | 0.09% | 1 | 0.71% |
| 28 | First Commercial Bank (USA) cert 34496 | $10.1M | 0.03% | 1 | 0.71% |
| 29 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.71% |
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.