County banking markets / CO / 08001
AdamsColorado
FIPS 08001. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 62 counties in Colorado’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 (660) and unconcentrated on deposits (1,202).
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
34 branch offices and 21 institutions in 1994; 84 and 24 in 2025. Deposits booked in the county went from $1.22B to $6.50B, 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 | $1.58B | 24.31% | 11 | 13.10% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $953.8M | 14.66% | 7 | 8.33% |
| 3 | FirstBank cert 18714 | $942.8M | 14.50% | 6 | 7.14% |
| 4 | U.S. Bank National Association cert 6548 | $533.1M | 8.20% | 7 | 8.33% |
| 5 | BMO Bank National Association cert 16571 | $412.9M | 6.35% | 7 | 8.33% |
| 6 | Zions Bancorporation, N.A. cert 2270 | $213.4M | 3.28% | 3 | 3.57% |
| 7 | TBK BANK, SSB cert 23498 | $208.7M | 3.21% | 4 | 4.76% |
| 8 | SouthState Bank, National Association cert 33555 | $206.0M | 3.17% | 3 | 3.57% |
| 9 | North Valley Bank cert 18710 | $193.4M | 2.97% | 1 | 1.19% |
| 10 | KeyBank National Association cert 17534 | $190.2M | 2.92% | 5 | 5.95% |
| 11 | Academy Bank, National Association cert 19600 | $178.4M | 2.74% | 5 | 5.95% |
| 12 | PNC Bank, National Association cert 6384 | $166.4M | 2.56% | 6 | 7.14% |
| 13 | Bank of Colorado cert 16980 | $147.1M | 2.26% | 2 | 2.38% |
| 14 | The Huntington National Bank cert 6560 | $116.3M | 1.79% | 4 | 4.76% |
| 15 | Commerce Bank cert 24998 | $115.6M | 1.78% | 1 | 1.19% |
| 16 | First-Citizens Bank & Trust Company cert 11063 | $86.1M | 1.32% | 1 | 1.19% |
| 17 | First National Bank of Omaha cert 5452 | $67.2M | 1.03% | 1 | 1.19% |
| 18 | High Plains Bank cert 3017 | $49.3M | 0.76% | 1 | 1.19% |
| 19 | FNB Bank cert 14420 | $44.4M | 0.68% | 1 | 1.19% |
| 20 | The Central Trust Bank cert 12633 | $30.8M | 0.47% | 1 | 1.19% |
| 21 | Bank of America, National Association cert 3510 | $30.5M | 0.47% | 3 | 3.57% |
| 22 | Farmers & Merchants Bank of Colby cert 34719 | $25.7M | 0.40% | 1 | 1.19% |
| 23 | The Pueblo Bank and Trust Company cert 12594 | $6.1M | 0.09% | 1 | 1.19% |
| 24 | Alpine Bank cert 23091 | $4.3M | 0.07% | 2 | 2.38% |
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 Colorado, or read the methodology for the two HHI constructions and what they cannot tell you.