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Local banking directory

Banks and Bank Branches in Rancho Santa Margarita, California

The FDIC reported 7 deposit-reporting offices from 6 institutions in Rancho Santa Margarita as of June 30, 2025. Bankular currently provides 7 detailed location pages with addresses, maps and directions.

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FDIC-reported offices7
Institutions reporting6
Detailed location pages7
Reported branch deposits$1.43B
SOD reporting dateJune 30, 2025

Market analysis

What the deposit data shows

FDIC SOD, June 30, 2025
Largest institutionWells Fargo Bank27.37% of deposits
Top three share71.24%
Deposit HHI1,987Moderate concentration
Current detailed pages7Matches the June 2025 SOD office count

Wells Fargo Bank held 27.37% of reported branch deposits in Rancho Santa Margarita. The three largest institutions together held 71.24%. Bankular places the resulting HHI of 1,987 in its moderate concentration descriptive band.

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Local deposit market

Reported offices, deposits and market share

FDIC SOD, June 30, 2025
InstitutionReported officesDepositsShare
Wells Fargo Bank2$392.6M27.37%
JPMorgan Chase Bank1$316.8M22.08%
Bank of America1$312.7M21.79%
First-Citizens Bank & Trust Company1$140.4M9.79%
U.S. Bank1$140.4M9.78%
California Bank of Commerce1$131.8M9.19%