County banking markets / CO / 08013
BoulderColorado
FIPS 08013. 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 (543) and unconcentrated on deposits (1,125).
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
58 branch offices and 25 institutions in 1994; 90 and 33 in 2025. Deposits booked in the county went from $2.32B to $12.00B, 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 | JPMorgan Chase Bank, National Association cert 628 | $2.70B | 22.50% | 11 | 12.22% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $1.92B | 16.02% | 9 | 10.00% |
| 3 | FirstBank cert 18714 | $1.75B | 14.60% | 5 | 5.56% |
| 4 | U.S. Bank National Association cert 6548 | $655.1M | 5.46% | 5 | 5.56% |
| 5 | AMG National Trust Bank cert 57295 | $628.7M | 5.24% | 1 | 1.11% |
| 6 | First National Bank of Omaha cert 5452 | $563.8M | 4.70% | 4 | 4.44% |
| 7 | SouthState Bank, National Association cert 33555 | $488.0M | 4.07% | 4 | 4.44% |
| 8 | BOKF, National Association cert 4214 | $409.1M | 3.41% | 1 | 1.11% |
| 9 | Bank of America, National Association cert 3510 | $375.1M | 3.13% | 3 | 3.33% |
| 10 | FlatIrons Bank cert 57280 | $358.6M | 2.99% | 2 | 2.22% |
| 11 | First Interstate Bank cert 1105 | $263.9M | 2.20% | 6 | 6.67% |
| 12 | BMO Bank National Association cert 16571 | $255.3M | 2.13% | 6 | 6.67% |
| 13 | Zions Bancorporation, N.A. cert 2270 | $212.7M | 1.77% | 3 | 3.33% |
| 14 | First Western Trust Bank cert 57607 | $199.0M | 1.66% | 1 | 1.11% |
| 15 | High Plains Bank cert 3017 | $135.4M | 1.13% | 2 | 2.22% |
| 16 | Bank of Colorado cert 16980 | $125.4M | 1.05% | 2 | 2.22% |
| 17 | KeyBank National Association cert 17534 | $123.8M | 1.03% | 4 | 4.44% |
| 18 | Sunflower Bank, National Association cert 4767 | $114.5M | 0.95% | 2 | 2.22% |
| 19 | PNC Bank, National Association cert 6384 | $93.2M | 0.78% | 3 | 3.33% |
| 20 | InBank cert 11492 | $82.3M | 0.69% | 1 | 1.11% |
| 21 | MidFirst Bank cert 4063 | $77.4M | 0.65% | 1 | 1.11% |
| 22 | Alpine Bank cert 23091 | $76.4M | 0.64% | 1 | 1.11% |
| 23 | UMB Bank, National Association cert 8273 | $61.5M | 0.51% | 1 | 1.11% |
| 24 | ANB Bank cert 19220 | $61.4M | 0.51% | 1 | 1.11% |
| 25 | ENCORE BANK cert 34562 | $54.5M | 0.45% | 1 | 1.11% |
| 26 | First-Citizens Bank & Trust Company cert 11063 | $44.3M | 0.37% | 1 | 1.11% |
| 27 | RNB STATE BANK cert 2228 | $43.6M | 0.36% | 1 | 1.11% |
| 28 | Adams Bank & Trust cert 18489 | $39.6M | 0.33% | 1 | 1.11% |
| 29 | The Huntington National Bank cert 6560 | $34.8M | 0.29% | 3 | 3.33% |
| 30 | The Pueblo Bank and Trust Company cert 12594 | $15.8M | 0.13% | 1 | 1.11% |
| 31 | TBK BANK, SSB cert 23498 | $11.6M | 0.10% | 1 | 1.11% |
| 32 | High Country Bank cert 29783 | $10.6M | 0.09% | 1 | 1.11% |
| 33 | Bank of Estes Park cert 19351 | $9.2M | 0.08% | 1 | 1.11% |
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.