County banking markets / CO / 08005
ArapahoeColorado
FIPS 08005. 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 (647) and unconcentrated on deposits (1,154).
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
101 branch offices and 36 institutions in 1994; 141 and 39 in 2025. Deposits booked in the county went from $3.95B to $20.18B, 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 | $4.27B | 21.16% | 18 | 12.77% |
| 2 | FirstBank cert 18714 | $3.57B | 17.67% | 12 | 8.51% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $2.72B | 13.46% | 17 | 12.06% |
| 4 | NBH Bank cert 59052 | $1.82B | 9.00% | 2 | 1.42% |
| 5 | Colorado Federal Savings Bank cert 33111 | $1.50B | 7.42% | 1 | 0.71% |
| 6 | U.S. Bank National Association cert 6548 | $1.35B | 6.68% | 11 | 7.80% |
| 7 | BMO Bank National Association cert 16571 | $426.0M | 2.11% | 9 | 6.38% |
| 8 | KeyBank National Association cert 17534 | $409.7M | 2.03% | 12 | 8.51% |
| 9 | Bank of America, National Association cert 3510 | $403.6M | 2.00% | 5 | 3.55% |
| 10 | UMB Bank, National Association cert 8273 | $377.7M | 1.87% | 4 | 2.84% |
| 11 | BOKF, National Association cert 4214 | $364.6M | 1.81% | 5 | 3.55% |
| 12 | InBank cert 11492 | $274.8M | 1.36% | 1 | 0.71% |
| 13 | SouthState Bank, National Association cert 33555 | $274.2M | 1.36% | 3 | 2.13% |
| 14 | PNC Bank, National Association cert 6384 | $214.5M | 1.06% | 6 | 4.26% |
| 15 | Bank of Colorado cert 16980 | $214.3M | 1.06% | 2 | 1.42% |
| 16 | First National Bank cert 14712 | $210.4M | 1.04% | 1 | 0.71% |
| 17 | First American State Bank cert 34040 | $200.4M | 0.99% | 1 | 0.71% |
| 18 | Redstone Bank cert 58826 | $184.7M | 0.92% | 2 | 1.42% |
| 19 | The Huntington National Bank cert 6560 | $180.7M | 0.90% | 5 | 3.55% |
| 20 | Sunflower Bank, National Association cert 4767 | $177.1M | 0.88% | 1 | 0.71% |
| 21 | Academy Bank, National Association cert 19600 | $134.8M | 0.67% | 2 | 1.42% |
| 22 | Zions Bancorporation, N.A. cert 2270 | $127.0M | 0.63% | 2 | 1.42% |
| 23 | Glacier Bank cert 30788 | $124.4M | 0.62% | 2 | 1.42% |
| 24 | First-Citizens Bank & Trust Company cert 11063 | $122.8M | 0.61% | 2 | 1.42% |
| 25 | First Western Trust Bank cert 57607 | $114.2M | 0.57% | 1 | 0.71% |
| 26 | United Fidelity Bank, fsb cert 29566 | $56.6M | 0.28% | 1 | 0.71% |
| 27 | 5Star Bank cert 91005 | $56.0M | 0.28% | 1 | 0.71% |
| 28 | State Bank of Downs cert 9659 | $52.3M | 0.26% | 1 | 0.71% |
| 29 | Commerce Bank cert 24998 | $51.5M | 0.26% | 1 | 0.71% |
| 30 | First Interstate Bank cert 1105 | $44.3M | 0.22% | 1 | 0.71% |
| 31 | The Central Trust Bank cert 12633 | $43.1M | 0.21% | 1 | 0.71% |
| 32 | TBK BANK, SSB cert 23498 | $38.2M | 0.19% | 1 | 0.71% |
| 33 | First Fidelity Bank cert 23473 | $33.5M | 0.17% | 1 | 0.71% |
| 34 | Fortis Bank cert 34401 | $25.3M | 0.13% | 1 | 0.71% |
| 35 | CoreFirst Bank & Trust cert 18100 | $18.0M | 0.09% | 1 | 0.71% |
| 36 | AMG National Trust Bank cert 57295 | $6.3M | 0.03% | 1 | 0.71% |
| 37 | United Business Bank cert 57716 | $4.2M | 0.02% | 1 | 0.71% |
| 38 | Members Trust Company cert 57470 | $0K | 0.00% | 1 | 0.71% |
| 39 | MidFirst Bank cert 4063 | $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 Colorado, or read the methodology for the two HHI constructions and what they cannot tell you.