Branch Presence
Banks with Branches in Modesto, CA
Bank of America, N.A. is the biggest bank in Modesto, CA, with $1.11B in deposits at its Modesto branches, 18.2% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
17 banks operate 38 branches in Modesto, CA, ranked below by local branch count from the FDIC Summary of Deposits. This counts every bank with a branch here, not only banks headquartered locally.
Deposit share is each bank's share of the $6.06B held in Modesto, CA, as of the June 30, 2026 FDIC Summary of Deposits, ranked by deposits (#1 is largest). Banks that book deposits at a headquarters branch can show a share that exceeds their local customer base.
| Bank | Branches in Modesto | Local deposits | Deposit share |
|---|---|---|---|
| Bank of America, N.A. | 4 | $1.11B | 18.2% (#1) |
| JPMorgan Chase Bank, N.A. | 4 | $997.0M | 16.4% (#2) |
| BMO Bank N.A. | 4 | $407.7M | 6.7% (#5) |
| Wells Fargo Bank, N.A. | 3 | $924.0M | 15.2% (#3) |
| Farmers & Merchants Bank of Central California | 3 | $575.8M | 9.5% (#4) |
| Oak Valley Community Bank | 3 | $403.8M | 6.7% (#6) |
| U.S. Bank N.A. | 3 | $306.5M | 5.1% (#8) |
| Bank of Stockton | 2 | $373.1M | 6.2% (#7) |
| Citibank, N.A. | 2 | $289.0M | 4.8% (#9) |
| PNC Bank, N.A. | 2 | $192.5M | 3.2% (#10) |
| Westamerica Bank | 2 | $113.5M | 1.9% (#12) |
| Community West Bank | 1 | $122.4M | 2.0% (#11) |
| Tri Counties Bank | 1 | $81.8M | 1.3% (#13) |
| Columbia Bank | 1 | $71.9M | 1.2% (#14) |
| Mechanics Bank | 1 | $45.4M | 0.7% (#15) |
| Bac Community Bank | 1 | $40.1M | 0.7% (#16) |
| Citizens Business Bank, N.A. | 1 | $13.4M | 0.2% (#17) |
County deposit market: Stanislaus, CA
The $11.41B held across 17 FDIC-insured banks in this county, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Stanislaus, CA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Wells Fargo Bank, N.A. | 16.6% | $1.89B | 8 |
| 2 | JPMorgan Chase Bank, N.A. | 16.3% | $1.86B | 8 |
| 3 | Bank of America, N.A. | 15.8% | $1.81B | 7 |
| 4 | BMO Bank N.A. | 9.5% | $1.08B | 11 |
| 5 | Farmers & Merchants Bank of Central California | 9.4% | $1.07B | 6 |
| 6 | Oak Valley Community Bank | 6.8% | $776.6M | 7 |
| 7 | Bank of Stockton | 5.8% | $663.1M | 4 |
| 8 | U.S. Bank N.A. | 4.4% | $504.7M | 5 |
| 9 | Citibank, N.A. | 4.3% | $486.0M | 3 |
| 10 | PNC Bank, N.A. | 2.9% | $332.4M | 3 |
Metro area deposit market: Modesto, CA
The $11.41B held across 17 FDIC-insured banks in this metro area, as of the June 30, 2026 FDIC Summary of Deposits. The 10 largest are shown; see every bank in the Modesto, CA market with its change from a year earlier. Banks only: credit unions are not in the Summary of Deposits.
| Rank | Bank | Deposit share | Deposits | Branches |
|---|---|---|---|---|
| 1 | Wells Fargo Bank, N.A. | 16.6% | $1.89B | 8 |
| 2 | JPMorgan Chase Bank, N.A. | 16.3% | $1.86B | 8 |
| 3 | Bank of America, N.A. | 15.8% | $1.81B | 7 |
| 4 | BMO Bank N.A. | 9.5% | $1.08B | 11 |
| 5 | Farmers & Merchants Bank of Central California | 9.4% | $1.07B | 6 |
| 6 | Oak Valley Community Bank | 6.8% | $776.6M | 7 |
| 7 | Bank of Stockton | 5.8% | $663.1M | 4 |
| 8 | U.S. Bank N.A. | 4.4% | $504.7M | 5 |
| 9 | Citibank, N.A. | 4.3% | $486.0M | 3 |
| 10 | PNC Bank, N.A. | 2.9% | $332.4M | 3 |
Banks in Modesto: common questions
What is the biggest bank in Modesto, CA?
Bank of America, N.A. is the biggest bank in Modesto, CA, with $1.11B in deposits at its Modesto branches, 18.2% of the city's total as of the June 30, 2026 FDIC Summary of Deposits.
How many banks are in Modesto, CA?
17 FDIC-insured banks operate 38 branches in Modesto, CA as of the June 30, 2026 FDIC Summary of Deposits. This counts every bank with a branch in the city, not only banks headquartered there. Credit unions are not in the Summary of Deposits.
What are the largest banks in Modesto, CA?
Ranked by deposits held in Modesto branches as of the June 30, 2026 FDIC Summary of Deposits: 1. Bank of America, N.A. (18.2%); 2. JPMorgan Chase Bank, N.A. (16.4%); 3. Wells Fargo Bank, N.A. (15.2%); 4. Farmers & Merchants Bank of Central California (9.5%); 5. BMO Bank N.A. (6.7%). The share is each bank's part of all deposits in the city.
Largest banks in California
For the state as a whole, see the largest banks in California, ranked by total assets and by deposits in California branches, or every bank in the California bank directory.
Banks in other California cities:
About this data
Branch counts and local deposits come from the FDIC Summary of Deposits, the annual June 30 survey of branch-office deposits for every FDIC-insured bank. Click any bank to see its full regulatory profile and complete branch network. Looking for banks headquartered here instead? See the US bank directory.