Largest banks in the US by deposits, September 2026

Deposits sit with fewer banks. 320 banks held 90% of the deposits at the FDIC-insured banks that filed a call report in June 2026, compared to 581 banks in June 2015.
The ten largest hold about the same share. The ten largest banks held 52.4% of the deposits at FDIC-insured banks in June 2026, compared to 52.0% in June 2015.
The largest banks pay more now. The median of today's 100 largest banks paid 2.05% a year on savings and money market deposits in Q2 2026, compared to 1.45% at the median bank. But their median was below the all-bank median in 25 of the 47 quarters from Q4 2014 to Q2 2026.
The ten largest have fewer branches. The ten largest banks had 19,806 retail branches in the 2025 Summary of Deposits, compared to 23,302 in 2020, a fall of 15%.

Each bank on this page is one FDIC-insured charter, identified by its FDIC certificate number. The table lists the hundred largest, and the download lists two hundred.

Banksparency uses public data (FDIC, BLS, etc.) to find the trends in US banking and make them open to everyone. Questions or comments? Get in touch.

Last updated September 26, 2026

Computed byAviel Fahl

2.6 pointsRise in the savings rate of today's 100 largest banks, Q1 2022 to Q3 2024The federal funds rate rose 5.2 points in 2022 and 2023, and the median bank's rate 1.4 to Q3 2024

19,806Retail branches of the ten largest banks, June 2025Down from 23,302 in June 2020

+4.7%Median change in deposits over a year, 100 largest banks, to Q2 2026Compared to +4.2% at the median bank

Deposits have moved to fewer banks

Most of the deposits at FDIC-insured banks sit with the ten largest banks.

Compare:

Every US bank by size

Which banks hold the most deposits?

JPMorgan Chase Bank, National Association holds the most, $2.82T in deposits, on the Q2 2026 call report.

How it is counted

The table lists the hundred largest open banks. Deposits are the total on the bank’s call report, deposits in foreign offices included, so a bank that trades under several brand names reports them on one line. A list of domestic deposits gives a lower figure for a bank with large foreign offices. Each column sorts, and each bank links to its page where this site publishes one.

The hundred largest FDIC-insured banks by total deposits, Q2 2026
Rank		Headquarters					Rate paid on savings and money market deposits, Q2 2026
1	JPMorgan Chase Bank, National Association	Columbus, OH	2,820.3	+5.7	4,091.3	5,138	0.84%
2	Bank of America, National Association	Charlotte, NC	2,121.8	+0.6	2,654.6	3,524	0.74%
3	Wells Fargo Bank, National Association	Sioux Falls, SD	1,563.5	+11.8	1,907.9	4,064	1.18%
4	Citibank, National Association	Sioux Falls, SD	1,547.6	+9.5	1,976.2	661	2.19%
5	U.S. Bank National Association	Cincinnati, OH	541.9	+2.3	705.6	2,078	1.74%
6	Capital One, National Association	Mclean, VA	512.6	+3.0	662.2	238	2.90%
7	Goldman Sachs Bank USA	New York, NY	498.8	+22.3	758.8	3	3.60%
8	PNC Bank, National Association	Wilmington, DE	457.8	+5.7	609.8	2,320	1.99%
9	Truist Bank	Charlotte, NC	419.2	+0.4	548.3	1,908	1.81%
10	The Bank of New York Mellon	New York, NY	372.6	+7.0	425.1	1	0.15%
11	State Street Bank and Trust Company	Boston, MA	326.2	+12.9	412.6	3	4.23%
12	Morgan Stanley Bank, National Association	Salt Lake City, UT	278.9	+44.6	419.3	1	2.38%
13	TD Bank, National Association	Wilmington, DE	277.7	-5.3	342.8	1,046	1.46%
14	Fifth Third Bank, National Association	Cincinnati, OH	240.9	+43.5	299.2	1,486	1.94%
15	The Huntington National Bank	Columbus, OH	227.1	+35.7	283.1	1,407	2.06%
16	Charles Schwab Bank, SSB	Westlake, TX	225.2	+7.5	250.8	0	0.20%
17	Morgan Stanley Private Bank, National Association	Purchase, NY	211.7	-0.4	250.4	1	3.13%
18	BMO Bank National Association	Chicago, IL	194.1	-2.6	255.0	957	1.61%
19	Citizens Bank, National Association	Providence, RI	188.7	+5.6	232.5	966	2.05%
20	First-Citizens Bank & Trust Company	Raleigh, NC	174.0	+8.5	236.3	510	2.95%
21	Manufacturers and Traders Trust Company	Buffalo, NY	172.3	+2.3	218.8	909	1.22%
22	American Express National Bank	Sandy, UT	171.6	+1.8	213.9	1	3.21%
23	KeyBank National Association	Cleveland, OH	158.5	+4.3	188.6	941	1.91%
24	Ally Bank	Sandy, UT	156.6	+3.5	188.2	0	3.03%
25	The Northern Trust Company	Chicago, IL	148.1	+6.3	178.6	58	1.69%
26	HSBC Bank USA, National Association	Tysons, VA	141.2	+0.3	173.1	21	1.64%
27	Regions Bank	Birmingham, AL	131.8	-0.2	159.8	1,221	1.73%
28	UBS Bank USA, National Association	Salt Lake City, UT	109.3	+11.1	124.4	1	2.43%
29	Pinnacle Bank	Nashville, TN	102.2	+125.9	128.8	378	2.46%
30	USAA Federal Savings Bank	Phoenix, AZ	92.0	-0.9	106.2	4	0.04%
31	Synchrony Bank	Draper, UT	86.0	+1.4	115.2	1	3.35%
32	Santander Bank, N.A.	Wilmington, DE	84.4	+6.1	104.0	555	2.62%
33	Western Alliance Bank	Phoenix, AZ	82.3	+15.3	98.6	35	2.77%
34	City National Bank	Los Angeles, CA	81.5	+4.8	99.1	65	0.99%
35	Zions Bancorporation, N.A.	Salt Lake City, UT	76.6	+3.5	89.0	407	1.72%
36	East West Bank	Pasadena, CA	70.3	+7.9	84.3	93	1.89%
37	First Horizon Bank	Memphis, TN	68.8	+3.7	84.1	402	1.57%
38	Flagstar Bank, National Association	Hicksville, NY	67.5	-3.9	87.7	340	2.78%
39	UMB Bank, National Association	Kansas City, MO	60.2	-0.7	71.9	189	2.19%
40	Banco Popular de Puerto Rico	San Juan, PR	58.7	+5.0	63.3	158	0.62%
41	Old National Bank	Evansville, IN	57.0	+3.9	73.9	342	2.53%
42	SouthState Bank, National Association	Winter Haven, FL	56.4	+4.0	68.8	340	2.71%
43	Valley National Bank	Passaic, NJ	54.3	+7.0	66.2	228	2.47%
44	Columbia Bank	Roseburg, OR	52.2	+24.8	65.4	350	1.85%
45	CIBC Bank USA	Chicago, IL	51.5	+8.1	66.5	8	2.41%
46	SoFi Bank, National Association	Cottonwood Heights, UT	46.8	+57.4	56.8	4	3.19%
47	Frost Bank	San Antonio, TX	43.7	+3.5	54.0	211	1.68%
48	Raymond James Bank	Saint Petersburg, FL	41.4	+7.9	45.6	1	0.62%
49	Associated Bank, National Association	Green Bay, WI	40.1	+17.3	51.8	212	1.61%
50	BOKF, National Association	Tulsa, OK	40.0	+4.0	53.0	114	2.81%
51	First National Bank of Pennsylvania	Greenville, PA	39.1	+1.2	50.8	349	2.47%
52	EverBank, National Association	Jacksonville, FL	37.8	+8.6	46.7	39	3.32%
53	Barclays Bank Delaware	Wilmington, DE	35.3	+1.1	43.5	1	3.71%
54	Bank OZK	Little Rock, AR	34.0	+1.4	41.7	255	1.91%
55	Prosperity Bank	El Campo, TX	32.9	+18.4	43.9	373	1.85%
56	Atlantic Union Bank	Richmond City, VA	30.6	-1.6	38.0	177	1.43%
57	Hancock Whitney Bank	Gulfport, MS	29.9	+1.9	36.3	186	1.13%
58	Texas Capital Bank	Dallas, TX	29.4	+10.7	33.6	9	3.39%
59	BankUnited, National Association	Miami Lakes, FL	29.1	-0.5	34.9	57	2.41%
60	Banc of California	Los Angeles, CA	28.2	+2.0	34.9	78	1.94%
61	Deutsche Bank Trust Company Americas	New York, NY	28.1	-7.5	40.5	1	2.52%
62	Commerce Bank	Kansas City, MO	28.1	+8.7	35.0	146	1.47%
63	First National Bank of Omaha	Omaha, NE	27.8	+8.8	34.2	117	2.38%
64	Fulton Bank, National Association	Lancaster, PA	27.4	+3.9	32.6	220	2.14%
65	United Bank	Fairfax, VA	27.3	+3.0	33.6	232	2.16%
66	TD Bank USA, National Association	Wilmington, DE	27.2	-2.8	32.1	1	3.82%
67	Eastern Bank	Boston, MA	26.1	+22.4	31.1	128	1.86%
68	BNY Mellon, National Association	Pittsburgh, PA	26.0	+4.9	30.6	1	2.80%
69	MidFirst Bank	Oklahoma City, OK	25.3	+2.4	42.8	93	2.24%
70	Glacier Bank	Kalispell, MT	24.9	+14.0	31.6	236	1.42%
71	Axos Bank	San Diego, CA	24.8	+18.0	28.9	3	2.77%
72	Arvest Bank	Fayetteville, AR	24.6	+1.9	28.1	220	1.09%
73	Charles Schwab Premier Bank, SSB	Westlake, TX	24.5	+10.2	26.6	1	The bank reported zero savings interest expense this quarter, so no rate is computed.
74	United Community Bank	Greenville, SC	24.1	-1.3	29.0	190	2.06%
75	Ameriprise Bank, FSB	Minneapolis, MN	23.9	+6.4	25.5	1	0.22%
76	Ameris Bank	Atlanta, GA	22.7	+2.6	28.4	164	2.42%
77	TriState Capital Bank	Pittsburgh, PA	22.3	+15.0	24.3	2	2.93%
78	Renasant Bank	Tupelo, MS	22.2	+1.0	27.0	246	0.66%
79	City National Bank of Florida	Miami, FL	22.1	+2.7	29.1	29	1.90%
80	Customers Bank	Malvern, PA	21.9	+14.6	26.5	7	3.36%
81	WesBanco Bank, Inc.	Wheeling, WV	21.8	+2.3	27.7	211	2.17%
82	First Interstate Bank	Billings, MT	21.7	-5.6	25.8	270	1.66%
83	Cathay Bank	Los Angeles, CA	21.1	+5.4	24.6	62	1.59%
84	WaFd Bank	Seattle, WA	21.1	-2.1	27.6	210	1.71%
85	Bank of Hawaii	Honolulu, HI	21.0	+0.4	23.8	51	1.83%
86	Rockland Trust Company	Rockland, MA	20.5	+26.8	25.0	148	1.04%
87	Sallie Mae Bank	Salt Lake City, UT	20.3	-2.3	28.5	1	3.75%
88	First Hawaiian Bank	Honolulu, HI	20.2	-0.4	23.6	49	0.98%
89	Simmons Bank	Pine Bluff, AR	19.9	-9.8	24.7	218	2.19%
90	Provident Bank	Jersey City, NJ	19.6	+4.5	25.7	136	1.86%
91	Centennial Bank	Conway, AR	19.6	+8.8	24.6	225	Savings and money market deposits changed too much in the quarter for a reliable rate, so no rate is computed.
92	Wilmington Savings Fund Society, FSB	Wilmington, DE	19.3	+10.2	22.6	85	2.39%
93	TowneBank	Portsmouth, VA	18.8	+21.7	22.6	77	2.29%
94	Beacon Bank and Trust	Boston, MA	18.6	+302.0	22.2	149	2.24%
95	Mechanics Bank	Walnut Creek, CA	18.1	+29.5	21.2	166	2.13%
96	OceanFirst Bank, National Association	Toms River, NJ	18.0	+73.5	23.2	73	Savings and money market deposits changed too much in the quarter for a reliable rate, so no rate is computed.
97	First Financial Bank	Cincinnati, OH	17.8	+21.7	22.4	157	1.50%
98	Stifel Bank and Trust	Saint Louis, MO	17.5	+4.0	19.6	2	1.68%
99	FirstBank Puerto Rico	Santurce, PR	16.9	+1.8	19.2	72	0.88%
100	Seacoast National Bank	Stuart, FL	16.8	+34.4	21.3	104	2.15%

Of the 4,238 FDIC-insured charters that filed a call report for Q2 2026, only the ones still open are ranked. Charters with equal deposits share a rank, so the sequence can skip a number.

Source: FDIC call report, June 30, 2026; FDIC locations file, September 26, 2026.

How concentrated are US bank deposits?

The ten largest banks hold 52.4% of the $20.72 trillion in deposits at the 4,238 FDIC-insured banks that filed for Q2 2026.

The largest, JPMorgan Chase Bank, National Association, held 13.6%. The four largest held 38.9%, the ten largest 52.4% and the hundred largest 82.1%. The other 4,138 banks held 17.9% between them.

Share of the deposits at FDIC-insured banks

The ten largest, June 201552.0%
The ten largest, June 202652.4%
The four largest, June 201539.7%
The four largest, June 202638.9%

In June 2015, the ten largest banks held 52.0% of the deposits at FDIC-insured banks and the four largest 39.7%. In June 2026, the ten largest held 52.4% and the four largest 38.9%.

Banks that held 90% of the deposits

June 2015, of 6,348581
June 2026, of 4,238320

In June 2026, the 320 largest of 4,238 insured banks that filed held 90% of their deposits. In June 2015, it took 581 of 6,348.

Share of the deposits of every FDIC-insured bank that filed a call report
Banks	Share, 2015	Share, Q2 2026
The largest	11.2%	13.6%
The four largest	39.7%	38.9%
The ten largest	52.0%	52.4%
The hundred largest	79.5%	82.1%

Herfindahl-Hirschman Index of deposits, on a scale to 10,000

June 2015442
June 2026455

Over every FDIC-insured bank that filed, the Herfindahl-Hirschman Index of deposits was 455 on a scale to 10,000 in June 2026, compared to 442 in June 2015. The Justice Department and the Federal Trade Commission call a market above 1,800 highly concentrated in their 2023 merger guidelines, and a bank merger review measures local markets, so the national figure does not answer that test.

How it is counted

Each share counts banks by charter. 5 holding companies own two or more of the hundred largest charters, 10 charters in all, and each of those charters has its own line.

Source: FDIC call report, June 30, 2026.

Are the largest banks growing faster than other banks?

Over the four quarters to Q2 2026, the median of the 100 largest banks changed its deposits by +4.7%, compared to +4.2% at the median bank over 4,226 banks. 17 of the 100 with a figure held less than a year earlier.

Change in deposits over the four quarters to Q2 2026

Median of the 100 largest banks+4.7%
Median bank+4.2%

8 of the ten that grew fastest absorbed another bank in the same four quarters. A merger adds the other bank's deposits to the total of the bank that survives.

The ten of the hundred largest banks whose deposits grew fastest over the four quarters to Q2 2026
Bank	Change in deposits over a year (%)	Absorbed a bank in the same year
Beacon Bank and Trust	+302.0	Yes
Pinnacle Bank	+125.9	Yes
OceanFirst Bank, National Association	+73.5	Yes
SoFi Bank, National Association	+57.4	No
Morgan Stanley Bank, National Association	+44.6	No
Fifth Third Bank, National Association	+43.5	Yes
The Huntington National Bank	+35.7	Yes
Seacoast National Bank	+34.4	Yes
Mechanics Bank	+29.5	Yes
Rockland Trust Company	+26.8	Yes

Source: FDIC call report, June 30, 2026; FDIC history file, September 26, 2026.

51 of the 100 largest banks absorbed at least one other bank from September 26, 2021 to September 26, 2026.

The largest banks have paid less than the median bank in most quarters

Compare:

What all US banks pay

What do the largest banks pay on savings and money market deposits?

The median of the 100 largest banks paid 2.05% a year on savings and money market deposits in Q2 2026, over the 97 of them with a figure. The median of all 3,938 banks with a figure was 1.45%. Both are far below the top savings rates on the market.

Rate paid on savings and money market deposits, Q2 2026

Median of the ten largest1.77%
Median of the next 902.06%

In Q2 2026, the median of the ten largest was 1.77%, over 10 banks with a figure, and the median of the next 90 was 2.06%, over 87.

From Q4 2014 to Q2 2026, the median of today's 100 largest banks was below the median bank's rate in 25 of 47 quarters.

Rise from Q1 2022 to the peak, in percentage points

Effective federal funds rate, to Q4 20235.21
Median bank, to Q3 20241.40
Median of today's 100 largest banks, to Q3 20242.61

The effective federal funds rate rose 5.21 percentage points from Q1 2022 to Q4 2023. The median of today's 100 largest banks went from 0.07% in Q1 2022 to 2.68% at its peak in Q3 2024, a rise of 2.61 points. That is 50 cents for each dollar of the Fed's rise, a deposit beta of 0.50. The median bank rose 1.40 points, to its peak in Q3 2024. From that peak to Q2 2026, the median of today's 100 largest moved from 2.68% to 2.05%.

How it is counted

The rate is computed from the interest expense and the balance each bank reported, and no bank advertises it. The FDIC line covers savings and money market deposit accounts, including business accounts. The FDIC does not separate consumer accounts. A bank whose figures fail the reliability checks has no rate, and its cell in the table says why.

Source: FDIC call report and Federal Reserve Economic Data (FRED), effective federal funds rate, June 30, 2026.

Branches at the largest banks have fallen

Compare:

How many branches do the largest banks run?

The ten largest banks run 19,935 of the 73,514 retail branches open today, which is 27.1%.

Retail branches open today

Share of the branches

The ten largest banks27.1%
The other banks72.9%

Retail branches, FDIC Summary of Deposits

June 2020
June 2025

The ten largest
23,30219,806
The 100 largest
40,60138,194

In the Summary of Deposits, the ten largest banks had 23,302 retail branches in June 2020 and 19,806 in June 2025, a fall of 15.0%. The 100 largest went from 40,601 to 38,194 branches, a fall of 5.9%.

How it is counted

A retail branch is an office the FDIC records as a full-service brick-and-mortar or retail office (service types 11 and 12). Foreign offices are excluded.

Source: FDIC locations file, September 26, 2026; FDIC Summary of Deposits, June 30, 2025.

Where are the largest banks headquartered?

Utah is the headquarters of 8 of the hundred largest banks, then California, Delaware, Florida, New York and Ohio with 6 each.

How it is counted

A bank is counted once, at the state its FDIC record gives as its headquarters. This is a count of charters and not a measure of where depositors live.

The states with 4 or more of the hundred largest banks by deposits.

Utah	8	946.1
California	6	244.1
Delaware	6	901.7
Florida	6	203.6
New York	6	1,351.0
Ohio	6	4,006.5
Pennsylvania	5	136.7
Texas	5	355.7
Virginia	5	730.5
Arkansas	4	98.1
Massachusetts	4	391.6

Source: FDIC institutions file, September 26, 2026; FDIC call report, June 30, 2026.

Use these figures

Free to reuse under CC BY 4.0. Credit “Banksparency, from FDIC data”. A link is welcome but not required.

Suggested citation

"Largest banks in the US by deposits." Banksparency, updated September 26, 2026. https://banksparency.com/banks/statistics/largest

Download the 200 largest banks as CSV

Largest banks by state

One list for each of these states, of the FDIC-insured banks headquartered in it.

Illinois Iowa Kansas Minnesota Missouri Nebraska Ohio Oklahoma Texas Wisconsin

Frequently asked questions

Why is a bank I know missing from the list, or listed under another name?

The list counts FDIC-insured charters, and each line carries the legal name the bank files under. A bank that trades under a brand name is listed under its charter, and two brands on one charter share one line. A bank that has merged into another bank since the quarter is not listed. From the next quarter, its deposits are in the total of the bank that absorbed it. Credit unions are insured by the National Credit Union Administration (NCUA), not the FDIC, so none of them is on this list.

Does the list count a bank holding company as one bank?

No. A holding company that owns two insured charters has two lines, because each charter files its own call report and the FDIC insures each one separately. In the hundred largest, 5 holding companies own more than one charter, 10 charters in all. The shares on this page are shares by charter.

How often does the list change?

The deposits come from the quarterly call report, so the order can change once a quarter. The newest quarter here is Q2 2026. The page is rebuilt once a month, and a rebuild also takes in an amended filing, a merger or a closure. The branch counts over five years come from the FDIC Summary of Deposits, which the FDIC publishes once a year.

How these figures are computed

Show the method

The figures come from the quarterly call reports that every FDIC-insured bank files, recomputed once a month. Each row is one insured charter, and a charter is a legal entity and not a brand. A bank that trades under a consumer name files under its charter, and that is the name in the table. Insured US branches of foreign banks and uninsured trust companies also appear in the FDIC financial data, and they are left out.

Rank is taken over the insured banks that filed for the quarter and are still open. A bank that has merged or closed since has no rank. Banks with equal deposits share a rank, so the printed sequence can skip a number.

A share of deposits is taken over the total deposits of every insured bank that filed for the quarter. The four, ten and hundred largest are the banks still open, the ones in the table. The Herfindahl-Hirschman Index is the sum of the squared percent shares of every bank that filed.

The change in deposits compares a bank’s total with its total four quarters earlier. When a bank absorbs another bank, the other bank’s deposits move into the total of the bank that survives, so the change includes mergers. A merger here is an event in the FDIC history file in which the bank survived.

The rate is derived from the interest expense a bank reports against its savings and money market balance in the quarter. It is an average over the balance and not an advertised rate. The line of the hundred largest banks follows the banks that are the hundred largest today back through their own filings. A bank that was large in an earlier year and has since merged is not in the line. The median of each quarter is taken over the banks of the set that reported a rate, and a quarter where fewer than half did is left out. The median bank is the median over every bank that filed for the quarter. The Fed's rate is the effective federal funds rate from FRED series EFFR, averaged over each quarter. Its line starts in 2021.

A retail branch is an office the FDIC records as a full-service brick-and-mortar or retail office (service types 11 and 12). Foreign offices are excluded. The count of branches five years earlier comes from the FDIC Summary of Deposits, which counts the full-service offices of each bank on June 30 of each year. Each bank is counted under its own certificate in both years, so the offices of a bank it absorbed in between count only in the later year, and the change is net of those mergers.

A bank must file its call report within 30 days after the quarter ends, or 35 days for a bank with more than one foreign office (Call Report instructions of the Federal Financial Institutions Examination Council (FFIEC)). A bank can amend a call report after it files. Each monthly rebuild reads the FDIC files again, so an amended figure replaces the earlier one, and the page and the download change together.

For the number of banks in each state, see US bank statistics.

Source: FDIC BankFind Suite, financials, data as of June 30, 2026 https://api.fdic.gov/banks/financials. Source: FDIC BankFind Suite, institutions, data as of September 26, 2026 https://api.fdic.gov/banks/institutions. Source: FDIC BankFind Suite, locations, data as of September 26, 2026 https://api.fdic.gov/banks/locations. Source: FDIC BankFind Suite, history, data as of September 26, 2026 https://api.fdic.gov/banks/history. Source: FDIC BankFind Suite, sod, data as of June 30, 2025 https://api.fdic.gov/banks/sod.