County banking markets / CO / 08031
DenverColorado
FIPS 08031. 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 (535) and unconcentrated on deposits (1,091).
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
114 branch offices and 37 institutions in 1994; 158 and 43 in 2025. Deposits booked in the county went from $10.80B to $54.38B, 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 | $11.15B | 20.50% | 12 | 7.59% |
| 2 | U.S. Bank National Association cert 6548 | $8.66B | 15.92% | 15 | 9.49% |
| 3 | JPMorgan Chase Bank, National Association cert 628 | $8.30B | 15.26% | 19 | 12.03% |
| 4 | UMB Bank, National Association cert 8273 | $3.81B | 7.00% | 10 | 6.33% |
| 5 | Bank of America, National Association cert 3510 | $3.10B | 5.71% | 7 | 4.43% |
| 6 | KeyBank National Association cert 17534 | $3.00B | 5.52% | 8 | 5.06% |
| 7 | FirstBank cert 18714 | $2.78B | 5.10% | 10 | 6.33% |
| 8 | BOKF, National Association cert 4214 | $2.18B | 4.01% | 3 | 1.90% |
| 9 | Zions Bancorporation, N.A. cert 2270 | $1.29B | 2.37% | 6 | 3.80% |
| 10 | First Western Trust Bank cert 57607 | $1.28B | 2.35% | 2 | 1.27% |
| 11 | BMO Bank National Association cert 16571 | $1.18B | 2.16% | 8 | 5.06% |
| 12 | Fortis Bank cert 34401 | $1.06B | 1.94% | 1 | 0.63% |
| 13 | SouthState Bank, National Association cert 33555 | $847.0M | 1.56% | 3 | 1.90% |
| 14 | PNC Bank, National Association cert 6384 | $811.7M | 1.49% | 6 | 3.80% |
| 15 | MidFirst Bank cert 4063 | $663.3M | 1.22% | 2 | 1.27% |
| 16 | ANB Bank cert 19220 | $584.3M | 1.07% | 2 | 1.27% |
| 17 | Alpine Bank cert 23091 | $451.0M | 0.83% | 3 | 1.90% |
| 18 | MidWestOne Bank cert 14843 | $413.7M | 0.76% | 3 | 1.90% |
| 19 | Native American Bank, National Association cert 27026 | $337.9M | 0.62% | 1 | 0.63% |
| 20 | Bankers' Bank of the West cert 23210 | $269.4M | 0.50% | 1 | 0.63% |
| 21 | Bank of Colorado cert 16980 | $228.1M | 0.42% | 2 | 1.27% |
| 22 | Busey Bank cert 16450 | $216.0M | 0.40% | 1 | 0.63% |
| 23 | NBH Bank cert 59052 | $186.9M | 0.34% | 2 | 1.27% |
| 24 | The Northern Trust Company cert 913 | $183.9M | 0.34% | 1 | 0.63% |
| 25 | The Huntington National Bank cert 6560 | $174.1M | 0.32% | 8 | 5.06% |
| 26 | Western Alliance Bank cert 57512 | $172.6M | 0.32% | 1 | 0.63% |
| 27 | First Interstate Bank cert 1105 | $149.9M | 0.28% | 2 | 1.27% |
| 28 | Banc of California cert 24045 | $143.4M | 0.26% | 1 | 0.63% |
| 29 | InBank cert 11492 | $127.4M | 0.23% | 1 | 0.63% |
| 30 | Glacier Bank cert 30788 | $113.3M | 0.21% | 1 | 0.63% |
| 31 | First-Citizens Bank & Trust Company cert 11063 | $86.0M | 0.16% | 1 | 0.63% |
| 32 | Academy Bank, National Association cert 19600 | $81.2M | 0.15% | 3 | 1.90% |
| 33 | Sunflower Bank, National Association cert 4767 | $69.5M | 0.13% | 2 | 1.27% |
| 34 | Beal Bank USA cert 57833 | $69.3M | 0.13% | 1 | 0.63% |
| 35 | ENCORE BANK cert 34562 | $63.0M | 0.12% | 1 | 0.63% |
| 36 | United Fidelity Bank, fsb cert 29566 | $38.7M | 0.07% | 1 | 0.63% |
| 37 | Kirkpatrick Bank cert 20156 | $37.6M | 0.07% | 1 | 0.63% |
| 38 | The Pueblo Bank and Trust Company cert 12594 | $37.4M | 0.07% | 1 | 0.63% |
| 39 | Commerce Bank cert 24998 | $32.2M | 0.06% | 1 | 0.63% |
| 40 | Young Americans Bank cert 27010 | $13.0M | 0.02% | 1 | 0.63% |
| 41 | Transact Bank, National Association cert 13986 | $4.7M | 0.01% | 1 | 0.63% |
| 42 | CIBC National Trust Company cert 91325 | $0K | 0.00% | 1 | 0.63% |
| 43 | BNY Mellon, National Association cert 7946 | $0K | 0.00% | 1 | 0.63% |
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.