| # | Institution | Type | Branches | Deposits | Share |
|---|---|---|---|---|---|
| 1 | Merced School Employees Federal Credit Union | Credit union | 8 | $797.0M* | 15.92% |
| 2 | JPMorgan Chase Bank, National Association | Bank | 2 | $624.5M | 12.47% |
| 3 | Westamerica Bank | Bank | 7 | $595.3M | 11.89% |
| 4 | Wells Fargo Bank, National Association | Bank | 3 | $484.9M | 9.68% |
| 5 | Bank of America, National Association | Bank | 2 | $468.1M | 9.35% |
| 6 | Travis Credit Union | Credit union | 2 | $380.9M* | 7.61% |
| 7 | Farmers & Merchants Bank of Central California | Bank | 2 | $329.4M | 6.58% |
| 8 | Mechanics Bank | Bank | 3 | $311.7M | 6.23% |
| 9 | Citibank, National Association | Bank | 2 | $280.0M | 5.59% |
| 10 | Educational Employees Credit Union | Credit union | 1 | $199.6M* | 3.99% |
| 5 more institutions, year-over-year share and branch changes with Pro →$29/mo, cancel any time. | |||||
* Credit-union deposits are estimated (June total shares spread evenly across branches).
| Year | Deposits | Institutions | Branches | Leader | Top share | HHI |
|---|---|---|---|---|---|---|
| 2026 | $5.01B | 15 | 40 | Merced School Employees Federal Credit Union | 15.9% | 943 |
| 2025 | $4.87B | 15 | 40 | Merced School Employees Federal Credit Union | 15.4% | 941 |
| 2024 | $4.73B | 15 | 40 | Merced School Employees Federal Credit Union | 14.8% | 954 |
| 2023 | $5.01B | 15 | 40 | Merced School Employees Federal Credit Union | 15.9% | 952 |
| 2022 | $5.13B | 15 | 42 | Merced School Employees Federal Credit Union | 15.6% | 945 |
Every institution above links to its profile — ratios, peer medians and this quarter’s change signals. Pro adds the full table, share movement and CSV export.