County banking markets / UT / 49049
UtahUtah
FIPS 49049. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 28 counties in Utah’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 (1,008) and moderately concentrated on deposits (2,028).
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
53 branch offices and 14 institutions in 1994; 87 and 15 in 2025. Deposits booked in the county went from $1.29B to $24.85B, 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 | LendingClub Bank, National Association cert 32551 | $9.26B | 37.25% | 1 | 1.15% |
| 2 | Green Dot Bank DBA Bonneville Bank cert 22653 | $4.56B | 18.36% | 1 | 1.15% |
| 3 | Zions Bancorporation, N.A. cert 2270 | $2.77B | 11.15% | 13 | 14.94% |
| 4 | JPMorgan Chase Bank, National Association cert 628 | $1.66B | 6.68% | 9 | 10.34% |
| 5 | Central Bank cert 9204 | $1.65B | 6.63% | 12 | 13.79% |
| 6 | Wells Fargo Bank, National Association cert 3511 | $1.60B | 6.44% | 10 | 11.49% |
| 7 | Glacier Bank cert 30788 | $1.40B | 5.65% | 11 | 12.64% |
| 8 | Capital Community Bank cert 33823 | $895.6M | 3.60% | 4 | 4.60% |
| 9 | NBH Bank cert 59052 | $310.3M | 1.25% | 5 | 5.75% |
| 10 | Bank of America, National Association cert 3510 | $257.0M | 1.03% | 7 | 8.05% |
| 11 | U.S. Bank National Association cert 6548 | $203.9M | 0.82% | 6 | 6.90% |
| 12 | Bank of Utah cert 17159 | $173.8M | 0.70% | 3 | 3.45% |
| 13 | KeyBank National Association cert 17534 | $86.1M | 0.35% | 3 | 3.45% |
| 14 | First Utah Bank cert 22738 | $11.0M | 0.04% | 1 | 1.15% |
| 15 | D. L. Evans Bank cert 11666 | $6.6M | 0.03% | 1 | 1.15% |
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 Utah, or read the methodology for the two HHI constructions and what they cannot tell you.