County banking markets / WA / 53067
ThurstonWashington
FIPS 53067. 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 (928) and unconcentrated on deposits (974).
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
62 branch offices and 15 institutions in 1994; 47 and 15 in 2025. Deposits booked in the county went from $1.26B to $5.18B, 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 | Heritage Bank cert 29012 | $784.5M | 15.15% | 4 | 8.51% |
| 2 | Olympia Federal Savings and Loan Association cert 28599 | $669.8M | 12.94% | 7 | 14.89% |
| 3 | Bank of America, National Association cert 3510 | $642.0M | 12.40% | 3 | 6.38% |
| 4 | Timberland Bank cert 28453 | $518.6M | 10.02% | 6 | 12.77% |
| 5 | JPMorgan Chase Bank, National Association cert 628 | $479.4M | 9.26% | 3 | 6.38% |
| 6 | KeyBank National Association cert 17534 | $431.6M | 8.34% | 6 | 12.77% |
| 7 | Umpqua Bank cert 17266 | $408.0M | 7.88% | 5 | 10.64% |
| 8 | Wells Fargo Bank, National Association cert 3511 | $361.1M | 6.97% | 3 | 6.38% |
| 9 | U.S. Bank National Association cert 6548 | $255.8M | 4.94% | 2 | 4.26% |
| 10 | Commencement Bank cert 58446 | $173.5M | 3.35% | 1 | 2.13% |
| 11 | First-Citizens Bank & Trust Company cert 11063 | $169.9M | 3.28% | 1 | 2.13% |
| 12 | 1st Security Bank of Washington cert 57633 | $120.5M | 2.33% | 2 | 4.26% |
| 13 | HomeStreet Bank cert 32489 | $96.4M | 1.86% | 1 | 2.13% |
| 14 | Washington Federal Bank cert 28088 | $65.6M | 1.27% | 2 | 4.26% |
| 15 | Bank of the Pacific cert 23041 | $1.2M | 0.02% | 1 | 2.13% |
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.