Lists · Deposits by metro area
Santa Cruz-Watsonville, CA Metro Area Bank Deposit Market Share
Wells Fargo Bank, N.A. holds the largest share of deposits in the Santa Cruz-Watsonville, CA metro area, 26.8%, followed by JPMorgan Chase Bank, N.A. (18.4%) and West Coast Community Bank (16.3%). 10 institutions hold $8.00B at 39 offices as of June 30, 2026, up 3.3% from 2025.
Largest share changes since 2025
Gained: Fifth Third Bank, N.A. (9.71 points, new to this market); Wells Fargo Bank, N.A. (0.24 points); Pacific Valley Bank (0.22 points, new to this market).
Lost: Bank of America, N.A. (-0.29 points); BMO Bank N.A. (-0.19 points); U.S. Bank N.A. (-0.08 points).
| # | Institution | Deposits | Market share | Share change from 2025 |
|---|---|---|---|---|
| 1 | Wells Fargo Bank, N.A. | $2.14B | 26.80% | +0.24 pts |
| 2 | JPMorgan Chase Bank, N.A. | $1.47B | 18.42% | 0.00 pts |
| 3 | West Coast Community Bank | $1.31B | 16.33% | +0.06 pts |
| 4 | Bank of America, N.A. | $1.22B | 15.27% | -0.29 pts |
| 5 | Fifth Third Bank, N.A. | $776.4M | 9.71% | +9.71 pts |
| 6 | U.S. Bank N.A. | $624.0M | 7.80% | -0.08 pts |
| 7 | BMO Bank N.A. | $234.0M | 2.93% | -0.19 pts |
| 8 | Liberty Bank N.A. | $101.4M | 1.27% | -0.05 pts |
| 9 | Mechanics Bank | $100.1M | 1.25% | +0.07 pts |
| 10 | Pacific Valley Bank | $18.0M | 0.22% | +0.22 pts |
About this list
Deposits are those held at each institution's offices in Santa Cruz-Watsonville, 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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Statewide deposits
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