County banking markets / WA / 53063
SpokaneWashington
FIPS 53063. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 39 counties in Washington’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 (1,056) and moderately concentrated on deposits (1,732).
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
95 branch offices and 15 institutions in 1994; 80 and 15 in 2025. Deposits booked in the county went from $3.07B to $14.07B, 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 | Umpqua Bank cert 17266 | $4.04B | 28.75% | 6 | 7.50% |
| 2 | Washington Trust Bank cert 1281 | $3.45B | 24.52% | 16 | 20.00% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $1.21B | 8.59% | 4 | 5.00% |
| 4 | U.S. Bank National Association cert 6548 | $1.16B | 8.23% | 10 | 12.50% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $1.01B | 7.20% | 8 | 10.00% |
| 6 | Banner Bank cert 28489 | $914.0M | 6.50% | 9 | 11.25% |
| 7 | Bank of America, National Association cert 3510 | $909.1M | 6.46% | 5 | 6.25% |
| 8 | First Interstate Bank cert 1105 | $589.1M | 4.19% | 8 | 10.00% |
| 9 | Glacier Bank cert 30788 | $292.7M | 2.08% | 3 | 3.75% |
| 10 | RiverBank cert 58322 | $247.5M | 1.76% | 3 | 3.75% |
| 11 | State Bank Northwest cert 2945 | $155.2M | 1.10% | 3 | 3.75% |
| 12 | Washington Federal Bank cert 28088 | $82.0M | 0.58% | 2 | 2.50% |
| 13 | Sunflower Bank, National Association cert 4767 | $4.3M | 0.03% | 1 | 1.25% |
| 14 | bankcda cert 57074 | $328K | 0.00% | 1 | 1.25% |
| 15 | Davidson Trust Co. cert 35510 | $0K | 0.00% | 1 | 1.25% |
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 Washington, or read the methodology for the two HHI constructions and what they cannot tell you.