Lists · Deposits by metro area
Modesto, CA Metro Area Bank Deposit Market Share
Wells Fargo Bank, N.A. holds the largest share of deposits in the Modesto, CA metro area, 16.6%, followed by JPMorgan Chase Bank, N.A. (16.3%) and Bank of America, N.A. (15.8%). 17 institutions hold $11.41B at 76 offices as of June 30, 2026, up 1.7% from 2025.
Largest share changes since 2025
Gained: Wells Fargo Bank, N.A. (0.40 points); JPMorgan Chase Bank, N.A. (0.29 points); Tri Counties Bank (0.20 points).
Lost: BMO Bank N.A. (-0.80 points); Bank of America, N.A. (-0.40 points); Westamerica Bank (-0.10 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Wells Fargo Bank, N.A. | $1.89B | 16.56% | +0.40 pts |
| 2 | JPMorgan Chase Bank, N.A. | $1.86B | 16.29% | +0.29 pts |
| 3 | Bank of America, N.A. | $1.81B | 15.84% | -0.40 pts |
| 4 | BMO Bank N.A. | $1.08B | 9.48% | -0.80 pts |
| 5 | Farmers & Merchants Bank of Central California | $1.07B | 9.42% | +0.14 pts |
| 6 | Oak Valley Community Bank | $776.6M | 6.81% | -0.05 pts |
| 7 | Bank of Stockton | $663.1M | 5.81% | -0.06 pts |
| 8 | U.S. Bank N.A. | $504.7M | 4.42% | +0.04 pts |
| 9 | Citibank, N.A. | $486.0M | 4.26% | +0.09 pts |
| 10 | PNC Bank, N.A. | $332.4M | 2.91% | -0.02 pts |
| 11 | Westamerica Bank | $311.4M | 2.73% | -0.10 pts |
| 12 | Tri Counties Bank | $241.8M | 2.12% | +0.20 pts |
| 13 | Mechanics Bank | $133.8M | 1.17% | -0.01 pts |
| 14 | Community West Bank | $122.4M | 1.07% | +0.18 pts |
| 15 | Columbia Bank | $71.9M | 0.63% | +0.14 pts |
| 16 | Bac Community Bank | $40.1M | 0.35% | -0.05 pts |
| 17 | Citizens Business Bank, N.A. | $13.4M | 0.12% | +0.01 pts |
About this list
Deposits are those held at each institution's offices in Modesto, CA (the Census Bureau core based statistical area) as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.
Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.
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