County banking markets / CO / 08123
WeldColorado
FIPS 08123. 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 (657) and unconcentrated on deposits (971).
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
35 branch offices and 23 institutions in 1994; 69 and 25 in 2025. Deposits booked in the county went from $1.05B to $6.47B, 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 | Bank of Colorado cert 16980 | $1.20B | 18.57% | 5 | 7.25% |
| 2 | First National Bank of Omaha cert 5452 | $950.3M | 14.68% | 5 | 7.25% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $742.0M | 11.46% | 6 | 8.70% |
| 4 | FirstBank cert 18714 | $620.4M | 9.58% | 5 | 7.25% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $602.4M | 9.31% | 5 | 7.25% |
| 6 | TBK BANK, SSB cert 23498 | $319.9M | 4.94% | 10 | 14.49% |
| 7 | SouthState Bank, National Association cert 33555 | $250.4M | 3.87% | 2 | 2.90% |
| 8 | Farmers Bank cert 57335 | $243.7M | 3.76% | 1 | 1.45% |
| 9 | U.S. Bank National Association cert 6548 | $223.6M | 3.45% | 3 | 4.35% |
| 10 | NBH Bank cert 59052 | $197.3M | 3.05% | 3 | 4.35% |
| 11 | First FarmBank cert 58508 | $145.9M | 2.25% | 2 | 2.90% |
| 12 | Points West Community Bank cert 3031 | $133.7M | 2.06% | 5 | 7.25% |
| 13 | First National Bank cert 14712 | $111.5M | 1.72% | 1 | 1.45% |
| 14 | FMS Bank cert 23764 | $104.7M | 1.62% | 1 | 1.45% |
| 15 | First Interstate Bank cert 1105 | $102.1M | 1.58% | 2 | 2.90% |
| 16 | Adams Bank & Trust cert 18489 | $100.5M | 1.55% | 2 | 2.90% |
| 17 | FirsTier Bank cert 17478 | $92.5M | 1.43% | 1 | 1.45% |
| 18 | Mountain Valley Bank cert 17411 | $80.3M | 1.24% | 1 | 1.45% |
| 19 | UMB Bank, National Association cert 8273 | $64.7M | 1.00% | 1 | 1.45% |
| 20 | BMO Bank National Association cert 16571 | $50.2M | 0.78% | 1 | 1.45% |
| 21 | Wray State Bank cert 22447 | $33.2M | 0.51% | 1 | 1.45% |
| 22 | High Plains Bank cert 3017 | $32.8M | 0.51% | 1 | 1.45% |
| 23 | PNC Bank, National Association cert 6384 | $31.5M | 0.49% | 1 | 1.45% |
| 24 | Academy Bank, National Association cert 19600 | $29.7M | 0.46% | 2 | 2.90% |
| 25 | Bank of America, National Association cert 3510 | $7.9M | 0.12% | 2 | 2.90% |
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.