County banking markets / CA / 06085
Santa ClaraCalifornia
FIPS 06085. 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 (1,025) and unconcentrated on deposits (1,489).
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
331 branch offices and 58 institutions in 1994; 288 and 44 in 2025. Deposits booked in the county went from $20.65B to $158.44B, 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 | First-Citizens Bank & Trust Company cert 11063 | $38.76B | 24.46% | 3 | 1.04% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $33.06B | 20.87% | 45 | 15.63% |
| 3 | Bank of America, National Association cert 3510 | $22.23B | 14.03% | 43 | 14.93% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $21.15B | 13.35% | 50 | 17.36% |
| 5 | Citibank, National Association cert 7213 | $7.93B | 5.01% | 22 | 7.64% |
| 6 | Western Alliance Bank cert 57512 | $6.93B | 4.37% | 1 | 0.35% |
| 7 | U.S. Bank National Association cert 6548 | $6.22B | 3.93% | 28 | 9.72% |
| 8 | Comerica Bank cert 983 | $4.72B | 2.98% | 13 | 4.51% |
| 9 | BMO Bank National Association cert 16571 | $3.03B | 1.91% | 23 | 7.99% |
| 10 | Heritage Bank of Commerce cert 33905 | $2.76B | 1.74% | 6 | 2.08% |
| 11 | East West Bank cert 31628 | $2.20B | 1.39% | 4 | 1.39% |
| 12 | Avidbank cert 57510 | $2.00B | 1.26% | 1 | 0.35% |
| 13 | CTBC Bank Corp. (USA) cert 19416 | $1.21B | 0.76% | 2 | 0.69% |
| 14 | Cathay Bank cert 18503 | $1.01B | 0.64% | 5 | 1.74% |
| 15 | Pinnacle Bank cert 58297 | $576.2M | 0.36% | 3 | 1.04% |
| 16 | HSBC Bank USA, National Association cert 57890 | $568.6M | 0.36% | 1 | 0.35% |
| 17 | Washington Federal Bank cert 28088 | $448.1M | 0.28% | 2 | 0.69% |
| 18 | PNC Bank, National Association cert 6384 | $353.3M | 0.22% | 2 | 0.69% |
| 19 | City National Bank cert 17281 | $334.8M | 0.21% | 3 | 1.04% |
| 20 | Bank of Hope cert 26610 | $318.8M | 0.20% | 1 | 0.35% |
| 21 | Fremont Bank cert 19222 | $298.4M | 0.19% | 2 | 0.69% |
| 22 | Zions Bancorporation, N.A. cert 2270 | $277.9M | 0.18% | 3 | 1.04% |
| 23 | Poppy Bank cert 57903 | $246.0M | 0.16% | 2 | 0.69% |
| 24 | EverTrust Bank cert 34010 | $237.7M | 0.15% | 2 | 0.69% |
| 25 | United Business Bank cert 57716 | $230.2M | 0.15% | 2 | 0.69% |
| 26 | Hanmi Bank cert 24170 | $175.7M | 0.11% | 1 | 0.35% |
| 27 | Safra National Bank of New York cert 26876 | $173.1M | 0.11% | 1 | 0.35% |
| 28 | West Coast Community Bank cert 57591 | $147.0M | 0.09% | 1 | 0.35% |
| 29 | State Bank of India (California) cert 23998 | $136.9M | 0.09% | 1 | 0.35% |
| 30 | Golden Bank, National Association cert 26223 | $126.3M | 0.08% | 1 | 0.35% |
| 31 | First Commercial Bank (USA) cert 34496 | $117.7M | 0.07% | 1 | 0.35% |
| 32 | Open Bank cert 57944 | $79.7M | 0.05% | 1 | 0.35% |
| 33 | GBC International Bank cert 22366 | $69.4M | 0.04% | 1 | 0.35% |
| 34 | First Bank cert 12229 | $58.8M | 0.04% | 1 | 0.35% |
| 35 | Commercial Bank of California cert 57417 | $50.6M | 0.03% | 1 | 0.35% |
| 36 | Umpqua Bank cert 17266 | $48.9M | 0.03% | 1 | 0.35% |
| 37 | Mechanics Bank cert 1768 | $33.0M | 0.02% | 1 | 0.35% |
| 38 | HomeStreet Bank cert 32489 | $29.6M | 0.02% | 1 | 0.35% |
| 39 | Metropolitan Bank cert 25869 | $25.9M | 0.02% | 1 | 0.35% |
| 40 | EverBank, National Association cert 34775 | $21.1M | 0.01% | 1 | 0.35% |
| 41 | Altos Bank cert 59339 | $17.4M | 0.01% | 1 | 0.35% |
| 42 | United Security Bank cert 27132 | $11.9M | 0.01% | 1 | 0.35% |
| 43 | Flagstar Bank, National Association cert 32541 | $3.4M | 0.00% | 1 | 0.35% |
| 44 | Exchange Bank cert 8468 | $0K | 0.00% | 1 | 0.35% |
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.