Largest U.S. City Banking Markets by Branch Deposits
A national ranking of eligible city banking markets using the FDIC Summary of Deposits survey dated June 30, 2025. The analysis combines office-level deposits, branch counts, institution counts, largest-bank share and market concentration.
Key findings
What stands out in the national ranking
New York, NY ranked first with $1.71T in reported branch deposits. The five largest city markets together represented 22.20% of deposits assigned to city records in the 2025 survey.
What this ranking measures
City markets ranked by deposits assigned to physical offices
The FDIC Summary of Deposits assigns deposit balances to individual offices once each year. Bankular groups those office records by city and state, then ranks eligible markets by total reported deposits.
To reduce thin or unstable comparisons, this table includes city markets with at least five reporting offices and at least two institutions. “Largest-bank share” shows the leading institution’s portion of city deposits. HHI is the sum of squared institution market shares and provides a standard concentration indicator.
These figures do not represent every customer relationship or all deposits generated online. Some institutions assign large balances to a small number of offices, so deposit size should be read alongside branch count, institution count and concentration.
National table
Top 100 eligible city banking markets
| Rank | City market | Deposits | Offices | Institutions | Largest share | HHI |
|---|---|---|---|---|---|---|
| 1 | New York, NY | $1.71T | 432 | 82 | 44.38% | 2,405 |
| 2 | Sioux Falls, SD | $892.15B | 98 | 33 | 58.54% | 4,925 |
| 3 | Salt Lake City, UT | $536.03B | 92 | 32 | 35.99% | 2,606 |
| 4 | Charlotte, NC | $446.82B | 196 | 36 | 70.99% | 5,442 |
| 5 | Wilmington, DE | $430.13B | 87 | 21 | 63.73% | 4,419 |
| 6 | Boston, MA | $335.57B | 118 | 34 | 61.94% | 4,298 |
| 7 | Sandy, UT | $328.22B | 20 | 15 | 51.32% | 4,763 |
| 8 | Chicago, IL | $327.08B | 487 | 65 | 26.09% | 1,460 |
| 9 | San Francisco, CA | $298.99B | 206 | 46 | 62.09% | 4,205 |
| 10 | Houston, TX | $264.59B | 601 | 78 | 60.21% | 3,748 |
| 11 | Dallas, TX | $252.64B | 348 | 90 | 45.56% | 2,556 |
| 12 | San Antonio, TX | $162.97B | 268 | 50 | 56.92% | 3,679 |
| 13 | Pittsburgh, PA | $162.71B | 205 | 25 | 58.17% | 3,790 |
| 14 | Los Angeles, CA | $161.80B | 289 | 61 | 18.77% | 970 |
| 15 | Cincinnati, OH | $158.13B | 211 | 27 | 63.68% | 4,652 |
| 16 | Atlanta, GA | $130.97B | 183 | 39 | 34.11% | 1,912 |
| 17 | Draper, UT | $113.54B | 17 | 15 | 74.69% | 5,835 |
| 18 | Jacksonville, FL | $106.38B | 143 | 29 | 56.79% | 4,013 |
| 19 | Phoenix, AZ | $103.02B | 191 | 40 | 42.22% | 2,392 |
| 20 | Miami, FL | $98.21B | 280 | 47 | 16.19% | 849 |
| 21 | Minneapolis, MN | $92.85B | 77 | 33 | 38.88% | 2,619 |
| 22 | Raleigh, NC | $85.62B | 128 | 33 | 71.73% | 5,241 |
| 23 | Columbus, OH | $83.76B | 141 | 23 | 54.03% | 3,492 |
| 24 | Mclean, VA | $80.83B | 27 | 18 | 73.12% | 5,531 |
| 25 | Las Vegas, NV | $78.18B | 195 | 37 | 31.40% | 1,551 |
| 26 | San Diego, CA | $74.46B | 181 | 37 | 25.81% | 1,439 |
| 27 | Cleveland, OH | $73.96B | 86 | 18 | 71.89% | 5,312 |
| 28 | Philadelphia, PA | $73.43B | 253 | 37 | 21.77% | 1,464 |
| 29 | Brooklyn, NY | $65.99B | 321 | 39 | 40.80% | 2,019 |
| 30 | Washington, DC | $64.46B | 180 | 34 | 34.69% | 1,739 |
| 31 | New York City, NY | $62.86B | 96 | 14 | 61.69% | 4,644 |
| 32 | Seattle, WA | $62.00B | 175 | 28 | 31.27% | 1,617 |
| 33 | Saint Louis, MO | $60.36B | 155 | 44 | 27.93% | 1,694 |
| 34 | Sacramento, CA | $59.15B | 99 | 28 | 62.21% | 4,075 |
| 35 | Saint Paul, MN | $55.35B | 43 | 20 | 86.35% | 7,486 |
| 36 | San Jose, CA | $54.80B | 119 | 25 | 20.28% | 1,241 |
| 37 | Denver, CO | $54.64B | 164 | 46 | 20.41% | 1,083 |
| 38 | Nashville, TN | $52.77B | 170 | 36 | 28.27% | 1,442 |
| 39 | Detroit, MI | $51.61B | 75 | 11 | 57.00% | 4,471 |
| 40 | Irvine, CA | $50.21B | 89 | 45 | 15.79% | 885 |
| 41 | San Juan, PR | $49.56B | 46 | 6 | 71.88% | 5,422 |
| 42 | Austin, TX | $49.32B | 212 | 55 | 20.73% | 1,173 |
| 43 | Richmond, VA | $48.90B | 106 | 23 | 67.71% | 4,832 |
| 44 | Saint Petersburg, FL | $48.30B | 59 | 26 | 79.41% | 6,348 |
| 45 | Kansas City, MO | $47.57B | 115 | 40 | 68.35% | 4,862 |
| 46 | Baltimore, MD | $44.96B | 152 | 24 | 41.33% | 2,700 |
| 47 | Santa Clara, CA | $44.93B | 20 | 10 | 84.71% | 7,234 |
| 48 | Indianapolis, IN | $43.40B | 170 | 25 | 20.54% | 1,160 |
| 49 | Troy, MI | $42.99B | 27 | 13 | 37.66% | 2,776 |
| 50 | Milwaukee, WI | $42.44B | 98 | 22 | 54.57% | 3,361 |
| 51 | Birmingham, AL | $39.82B | 118 | 35 | 33.13% | 1,608 |
| 52 | Beverly Hills, CA | $39.05B | 31 | 24 | 35.39% | 1,950 |
| 53 | Oklahoma City, OK | $38.82B | 164 | 54 | 32.16% | 1,522 |
| 54 | Coral Gables, FL | $37.87B | 55 | 38 | 31.70% | 1,498 |
| 55 | Honolulu, HI | $36.25B | 86 | 13 | 35.40% | 2,621 |
| 56 | Tampa, FL | $35.13B | 170 | 44 | 15.93% | 922 |
| 57 | Stamford, CT | $34.80B | 38 | 17 | 80.52% | 6,535 |
| 58 | Portland, OR | $34.67B | 117 | 20 | 29.87% | 1,935 |
| 59 | Buffalo, NY | $34.30B | 61 | 13 | 90.16% | 8,147 |
| 60 | Fort Worth, TX | $33.17B | 179 | 59 | 30.15% | 1,257 |
| 61 | Orlando, FL | $31.01B | 160 | 30 | 24.33% | 1,415 |
| 62 | Omaha, NE | $31.01B | 156 | 38 | 44.36% | 2,214 |
| 63 | Jersey City, NJ | $30.92B | 39 | 16 | 82.22% | 6,813 |
| 64 | Louisville, KY | $30.70B | 187 | 30 | 24.23% | 1,441 |
| 65 | Cottonwood Heights, UT | $30.34B | 6 | 6 | 97.41% | 9,491 |
| 66 | Tulsa, OK | $27.29B | 132 | 43 | 43.02% | 2,035 |
| 67 | Memphis, TN | $24.14B | 113 | 28 | 49.21% | 2,708 |
| 68 | Hartford, CT | $23.32B | 20 | 8 | 95.34% | 9,093 |
| 69 | Little Rock, AR | $23.27B | 117 | 32 | 36.18% | 1,856 |
| 70 | Fort Lauderdale, FL | $22.90B | 84 | 33 | 25.11% | 1,111 |
| 71 | Scottsdale, AZ | $22.56B | 103 | 40 | 23.87% | 1,446 |
| 72 | Wilmington, NC | $22.39B | 52 | 22 | 56.44% | 3,563 |
| 73 | Flushing, NY | $19.70B | 70 | 35 | 29.36% | 1,273 |
| 74 | Des Moines, IA | $19.41B | 46 | 19 | 43.18% | 2,638 |
| 75 | Henderson, NV | $19.21B | 50 | 17 | 53.08% | 3,170 |
| 76 | Columbia, SC | $19.15B | 76 | 23 | 46.64% | 2,594 |
| 77 | Baton Rouge, LA | $18.67B | 104 | 33 | 38.36% | 1,970 |
| 78 | Staten Island, NY | $18.50B | 92 | 16 | 21.75% | 1,327 |
| 79 | Providence, RI | $18.35B | 39 | 12 | 51.95% | 3,687 |
| 80 | Grand Rapids, MI | $18.33B | 87 | 24 | 24.54% | 1,367 |
| 81 | New Orleans, LA | $18.22B | 79 | 21 | 36.78% | 2,245 |
| 82 | Newport Beach, CA | $18.11B | 36 | 22 | 26.92% | 1,426 |
| 83 | Miami Lakes, FL | $18.10B | 15 | 12 | 76.97% | 6,081 |
| 84 | Wichita, KS | $17.61B | 121 | 34 | 24.30% | 1,322 |
| 85 | Palo Alto, CA | $17.56B | 19 | 10 | 57.44% | 3,731 |
| 86 | Bronx, NY | $17.45B | 124 | 23 | 40.82% | 2,111 |
| 87 | Knoxville, TN | $17.44B | 116 | 31 | 19.24% | 1,217 |
| 88 | Naples, FL | $17.30B | 111 | 37 | 15.14% | 778 |
| 89 | Plano, TX | $17.28B | 93 | 44 | 20.62% | 1,028 |
| 90 | Bellevue, WA | $16.84B | 53 | 23 | 23.23% | 1,245 |
| 91 | Carmel, IN | $16.76B | 41 | 24 | 65.61% | 4,441 |
| 92 | Oakland, CA | $16.47B | 58 | 27 | 22.93% | 1,231 |
| 93 | East Brunswick, NJ | $16.04B | 15 | 10 | 80.07% | 6,480 |
| 94 | Tucson, AZ | $16.04B | 110 | 18 | 28.73% | 1,779 |
| 95 | Wayne, NJ | $16.00B | 18 | 11 | 82.95% | 6,918 |
| 96 | Pasadena, CA | $15.88B | 37 | 20 | 17.96% | 1,278 |
| 97 | Albuquerque, NM | $15.70B | 102 | 25 | 27.17% | 1,426 |
| 98 | Boca Raton, FL | $15.51B | 83 | 34 | 21.24% | 1,031 |
| 99 | Madison, WI | $15.22B | 55 | 19 | 17.17% | 1,098 |
| 100 | Bethesda, MD | $15.14B | 34 | 19 | 39.83% | 2,072 |