FDIC Summary of Deposits · June 30, 2026

Every bank office in America, and every one that's gone.

75,859 FDIC-insured bank offices filed a deposit report on June 30, 2026. In 2009 there were 99,550. Look up any bank, county, city or ZIP to see the offices open there now, the ones that stopped reporting, and what each one holds.

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75,859

offices, 2026

−23,691

since the 2009 peak

$19.1T

deposits booked

4,249

insured banks

Fewer doors, more money

Bank offices peaked in 2009 and have fallen almost every year since. Deposits did the opposite: $3.2T in 1994, $19.1T now. That's in nominal dollars, not adjusted for inflation, but the shape is the point: each remaining office holds far more money.

Bank offices reporting on June 30Deposits booked at them (nominal dollars, own scale)

Where the offices are, and where they were

Green: the 75,859 offices open on June 30, 2026. Red rings: 83,506 offices that filed in an earlier year and no longer do.

open nowno longer reported show open offices show offices no longer reported

An office's deposits aren't the town's money

The single most misread number in this data. A bank assigns each account to one office for the report, and big banks assign their corporate, online and nationwide accounts to a main office. So 20% of all U.S. deposits are booked at just 10 offices, and the median office holds $81.0M.

Share of all deposits

20%22%13%46%

Share of all offices

20%of deposits sit in the 10 largest offices

22%of deposits sit in the next 90

13%of deposits sit in the next 900

46%of deposits sit in the other 74,859

That's why a county with one main office, like Sioux Falls's Minnehaha County, shows trillions in "deposits." Read a county's deposit figure as where accounts are booked, not where depositors live.

#	The 10 offices with the most deposits booked	Deposits	Of U.S. total
1	JPMorgan Chase Bank, National AssociationNew York, NY	$759B	4.0%
2	Citibank, National AssociationSioux Falls, SD	$638B	3.3%
3	Wells Fargo Bank, National AssociationSioux Falls, SD	$462B	2.4%
4	Capital One, National AssociationWilmington, DE	$313B	1.6%
5	Bank of America, National AssociationCharlotte, NC	$284B	1.5%
6	Goldman Sachs Bank USANew York, NY	$279B	1.5%
7	Morgan Stanley Bank, National AssociationSalt Lake City, UT	$269B	1.4%
8	The Bank of New York MellonNew York, NY	$250B	1.3%
9	State Street Bank and Trust CompanyBoston, MA	$242B	1.3%
10	Charles Schwab Bank, SSBWestlake, TX	$225B	1.2%

Looking for a bank that's gone?

Most banks whose names disappeared didn't fail; they merged, sometimes five or six times over. Look up a closed or merged bank to follow it to the bank that holds its accounts, loans and liens today.

Why Sioux Falls?

Two of the five offices booking the most deposits in America sit in a South Dakota city of about 200,000. That goes back to a 1978 court case and runaway inflation.

In 1978 the Supreme Court ruled, in Marquette National Bank v. First of Omaha, that a national bank may charge borrowers anywhere the interest rate allowed by its home state. Then inflation hit. Citibank's credit cards ran under New York's rate cap, and its chairman, Walter Wriston, said lending at 12% while paying 20% for money was a business that couldn't survive.

In March 1980 South Dakota's legislature passed what became known as the "Citibank bill," letting an out-of-state bank holding company open a bank there, in a state with no cap on interest rates. Citi opened its Sioux Falls card bank in 1981. (Whether the state scrapped its rate limits to land Citi or was already headed that way is still argued; Gov. Bill Janklow's own account was a deal for 400 jobs.) Delaware followed in February 1981 with its Financial Center Development Act, which is why so many card banks book in Wilmington.

Over time the whole bank followed the cards. In 2011 Citi merged its South Dakota bank into Citibank, N.A. and made Sioux Falls the main office. Wells Fargo started booking there after combining its state banks into one charter in 2003–04, and the FDIC lists its main office in Sioux Falls too. Deposits with no natural local home are booked there — which is why the FDIC report puts more than a trillion dollars in Sioux Falls.

Where each bank booked its biggest office, every June 30

Citibank

New York1994–06Las Vegas2007–11Sioux Falls2012–26

Wells Fargo Bank

San Francisco1994–03Sioux Falls2004–26

Capital One

New Orleans1994–07McLean2008–12Wilmington2013–26

From the FDIC reports on this site: the city of the bank's office with the most deposits each year, 1994–2026.

Browse by state

Offices open in 2026, and the change from each state's own peak year.

Alabama 1,362 −14%Alaska 112 −20%Arizona 958 −32%Arkansas 1,296 −14%California 5,452 −26%Colorado 1,363 −18%Connecticut 921 −29%Delaware 246 −16%District of Columbia 178 −28%Federated States of Micronesia 8 −27%Florida 4,283 −26%Georgia 2,044 −29%Guam 16 −60%Hawaii 217 −47%Idaho 394 −27%Illinois 3,597 −29%Indiana 1,746 −28%Iowa 1,410 −14%Kansas 1,331 −15%Kentucky 1,446 −22%Louisiana 1,314 −20%Maine 429 −18%Marshall Islands 1 −80%Maryland 1,129 −39%Massachusetts 1,859 −17%Michigan 1,920 −39%Minnesota 1,581 −15%Mississippi 1,052 −13%Missouri 2,090 −15%Montana 371 −7%Nebraska 1,038 −5%Nevada 398 −34%New Hampshire 373 −14%New Jersey 2,228 −34%New Mexico 402 −23%New York 3,975 −28%North Carolina 2,012 −28%North Dakota 407 −9%Northern Mariana Islands 6 −50%Ohio 3,000 −27%Oklahoma 1,281 −9%Oregon 713 −37%Palau 3 peak Pennsylvania 3,323 −31%Puerto Rico 260 −54%Rhode Island 240 −9%South Carolina 1,165 −20%South Dakota 432 −11%Tennessee 1,928 −17%Texas 6,258 −10%U.S. Virgin Islands 20 −20%Utah 515 −18%Vermont 215 −22%Virginia 1,824 −32%Washington 1,331 −31%West Virginia 553 −18%Wisconsin 1,622 −32%Wyoming 211 −10%

The largest banks by office count

Bank	Offices	Deposits
JPMorgan Chase Bank, National AssociationHQ Ohio	5,141	$2227B
Wells Fargo Bank, National AssociationHQ South Dakota	4,157	$1555B
Bank of America, National AssociationHQ North Carolina	3,598	$1983B
PNC Bank, National AssociationHQ Delaware	2,401	$457B
U.S. Bank National AssociationHQ Ohio	2,097	$533B
Truist BankHQ North Carolina	1,928	$419B
Fifth Third Bank, National AssociationHQ Ohio	1,513	$240B
The Huntington National BankHQ Ohio	1,452	$227B
Regions BankHQ Alabama	1,245	$132B
TD Bank, National AssociationHQ Delaware	1,050	$278B
BMO Bank National AssociationHQ Illinois	988	$194B
Citizens Bank, National AssociationHQ Rhode Island	971	$189B

Search above for any of the 4,249 insured banks.

What's counted

An office is any location a bank reports in the FDIC Summary of Deposits: full-service branches, drive-throughs, trust offices, military facilities. Each one has an FDIC number that stays with the building through mergers and renames, which is how this site follows an office from 1994 to 2026.

"No longer reported" means the office filed in an earlier year and is missing from the 2026 report. Most of those closed. The FDIC record doesn't say why, so the site doesn't either.

Not included: credit unions (insured by the NCUA, not the FDIC), standalone ATMs, and changes after June 30, 2026. In 2026, 1,064 offices appeared that weren't in the 2025 report, and 1,286 disappeared. More on the data.