Bank Branches per Capita by State (2026)

North Dakota has 48.8 full-service bank branches for every 100,000 residents, 4.1 times as many per person as Nevada, with 11.8, according to FDIC and Census Bureau data. The five states with the most branches per resident are all in the Census Bureau's Midwest region, and the eight with the fewest are all in the West. Between June 30, 2021 and June 30, 2026, branches per resident fell in every state and DC, according to FDIC and Census Bureau data.

Nationally there are 21.5 full-service branches per 100,000 residents, or one for every 4,662 people, down from 23.8 in 2021, according to FDIC and Census Bureau data. Branches are counted from the FDIC's Summary of Deposits for June 30, 2026, in the state each office is in; residents are the Census Bureau's estimate for July 1, 2025.

Bank branches per 100,000 residents, by state

Every state and DC, ranked by full-service branches of FDIC-insured institutions per 100,000 residents. A branch is an office a customer can walk into, as the FDIC codes it in the Summary of Deposits for June 30, 2026. The 2021 rate uses the survey for June 30, 2021 and the Census Bureau's estimate for July 1, 2020, from the same vintage.

Rank	State	Full-service branches	Residents	Branches per 100,000	Residents per branch	Per 100,000, 2021	Change in branches since 2021	Source
1	North Dakota	390	799,358	48.8	2,050	51.1	−2.0%	FDIC, Census
2	Nebraska	957	2,018,006	47.4	2,109	48.0	+1.6%	FDIC, Census
3	South Dakota	426	935,094	45.6	2,195	49.3	−2.7%	FDIC, Census
4	Kansas	1,263	2,977,220	42.4	2,357	44.7	−3.7%	FDIC, Census
5	Iowa	1,348	3,238,387	41.6	2,402	43.3	−2.5%	FDIC, Census
6	Arkansas	1,228	3,114,791	39.4	2,536	40.3	+1.0%	FDIC, Census
7	Wyoming	202	588,753	34.3	2,915	36.5	−4.3%	FDIC, Census
8	Mississippi	992	2,954,160	33.6	2,978	34.6	−3.2%	FDIC, Census
9	Missouri	2,014	6,270,541	32.1	3,113	33.9	−3.5%	FDIC, Census
10	Vermont	207	644,663	32.1	3,114	34.4	−6.3%	FDIC, Census
11	Montana	353	1,144,694	30.8	3,243	32.7	−0.6%	FDIC, Census
12	Kentucky	1,404	4,606,864	30.5	3,281	33.1	−6.0%	FDIC, Census
13	West Virginia	534	1,766,147	30.2	3,307	31.1	−4.1%	FDIC, Census
14	Maine	420	1,414,874	29.7	3,369	31.8	−3.2%	FDIC, Census
15	Oklahoma	1,196	4,123,288	29.0	3,448	30.5	−1.2%	FDIC, Census
16	Louisiana	1,270	4,618,189	27.5	3,636	27.9	−2.3%	FDIC, Census
17	Illinois	3,426	12,719,141	26.9	3,713	29.1	−8.0%	FDIC, Census
18	Wisconsin	1,575	5,972,787	26.4	3,792	29.1	−8.3%	FDIC, Census
19	Minnesota	1,520	5,830,405	26.1	3,836	27.2	−2.0%	FDIC, Census
20	New Hampshire	367	1,415,342	25.9	3,857	28.0	−4.9%	FDIC, Census
21	Alabama	1,332	5,193,088	25.6	3,899	27.5	−3.6%	FDIC, Census
22	Tennessee	1,871	7,315,076	25.6	3,910	27.5	−1.8%	FDIC, Census
23	Massachusetts	1,827	7,154,084	25.5	3,916	28.7	−9.0%	FDIC, Census
24	District of Columbia	171	693,645	24.7	4,056	30.0	−14.9%	FDIC, Census
25	Ohio	2,932	11,900,510	24.6	4,059	27.0	−8.1%	FDIC, Census
26	Indiana	1,710	6,973,333	24.5	4,078	26.3	−4.2%	FDIC, Census
27	Pennsylvania	3,168	13,059,432	24.3	4,122	27.3	−10.8%	FDIC, Census
28	Connecticut	890	3,688,496	24.1	4,144	28.7	−13.3%	FDIC, Census
29	New Jersey	2,207	9,548,215	23.1	4,326	27.6	−13.8%	FDIC, Census
30	Colorado	1,334	6,012,561	22.2	4,507	23.6	−2.4%	FDIC, Census
31	Rhode Island	236	1,114,521	21.2	4,723	21.2	+1.3%	FDIC, Census
32	Delaware	217	1,059,952	20.5	4,885	23.0	−4.8%	FDIC, Census
33	South Carolina	1,138	5,570,274	20.4	4,895	22.3	−0.5%	FDIC, Census
34	Virginia	1,789	8,880,107	20.1	4,964	23.5	−11.8%	FDIC, Census
35	New York	3,894	20,002,427	19.5	5,137	21.5	−10.0%	FDIC, Census
36	Idaho	389	2,029,733	19.2	5,218	23.6	−11.0%	FDIC, Census
37	Texas	6,064	31,709,821	19.1	5,229	20.9	−0.8%	FDIC, Census
38	Michigan	1,841	10,127,884	18.2	5,501	21.5	−14.9%	FDIC, Census
39	Florida	4,211	23,462,518	17.9	5,572	20.7	−5.6%	FDIC, Census
40	New Mexico	381	2,125,498	17.9	5,579	18.9	−5.0%	FDIC, Census
41	Georgia	1,995	11,302,748	17.7	5,666	19.7	−5.7%	FDIC, Census
42	North Carolina	1,969	11,197,968	17.6	5,687	20.0	−5.8%	FDIC, Census
43	Maryland	1,099	6,265,347	17.5	5,701	21.1	−15.8%	FDIC, Census
44	Oregon	703	4,273,586	16.4	6,079	18.9	−12.2%	FDIC, Census
45	Washington	1,302	8,001,020	16.3	6,145	19.6	−14.1%	FDIC, Census
46	Alaska	112	737,270	15.2	6,583	15.7	−2.6%	FDIC, Census
47	Hawaii	214	1,432,820	14.9	6,695	16.3	−9.3%	FDIC, Census
48	Utah	510	3,538,904	14.4	6,939	15.2	+2.2%	FDIC, Census
49	California	5,389	39,355,309	13.7	7,303	15.7	−12.9%	FDIC, Census
50	Arizona	947	7,623,818	12.4	8,050	14.6	−9.7%	FDIC, Census
51	Nevada	386	3,282,188	11.8	8,503	14.1	−12.3%	FDIC, Census

Download this table (CSV), free. The full dataset, with every state's office count, population and rate on both dates, is one email away.

Where branches are densest and thinnest

• Densest: North Dakota, with 48.8 branches per 100,000 residents, according to FDIC and Census Bureau data, or one branch for every 2,050 people. Next are Nebraska (47.4) and South Dakota (45.6).
• Thinnest: Nevada, with 11.8, according to FDIC and Census Bureau data, or one branch for every 8,503 people. Next are Arizona (12.4) and California (13.7).
• By region: in the Census Bureau's own regions, the five densest states are all in the Midwest and the eight thinnest are all in the West.
• DC ranks 24 of the 50 states and DC, with 24.7 branches per 100,000 residents, according to FDIC and Census Bureau data.

A rate per resident measures how many offices there are for the people who live in a state. It does not say how far a resident lives from the nearest one: a large rural state can have many branches per person and long distances between them.

How branch density changed since 2021

The number of full-service branches fell from 78,831 to 73,320 between June 30, 2021 and June 30, 2026, according to the FDIC, a fall of 7.0%. Counts fell in 47 of the 50 states and DC; the steepest fall was in Maryland, where branches went from 1,305 to 1,099, down 15.8%, according to the FDIC.

Branch counts rose in four: Nebraska (+1.6%), Arkansas (+1.0%), Rhode Island (+1.3%) and Utah (+2.2%), according to the FDIC. In each of them the population grew faster, so branches per resident still fell, according to FDIC and Census Bureau data. The smallest fall in the rate was in Rhode Island, 0.07 branches per 100,000 residents.

What this means for technology buyers

Where branches are thinning, more of what a bank does has to work without one: account opening, servicing and advice delivered on a phone or a call, with the branch kept for what still needs a person. Where branches are dense, the branch network and the digital channels have to run as one, and the systems behind both matter as much as the front end. These guides compare the options side by side:

• Mobile banking apps for regional banks: digital channel platforms for banks below money-center scale.
• Deposit management platforms: for banks competing to keep and grow core deposits, in branches and online.
• CRM for financial services: one view of a customer across the branch, the call center and the app.
• Cloud-based core banking systems: what a move off a legacy core involves, and who can take it on.

Redesigning how a bank serves customers across channels? The Bank Value Streams show how the work flows from first contact to a served customer, and the Retail Bank Business Capability Model maps what a bank does.

More from Finantrix Atlas

• US banks with the most branches
• Largest banks in each state by deposits
• Credit unions by state
• The financial sector's share of each state's economy

How this list was built

Branches are every office in the FDIC's Summary of Deposits for June 30, 2026 that the FDIC codes as full service: brick-and-mortar, retail, and the other service types the FDIC marks as full service. They are counted in the state where the office is, not the state of the bank's main office, and every office of every FDIC-insured institution is included. The survey also lists 2,225 limited-service offices in the states and DC, such as drive-through, administrative, loan production and trust offices, which are in the dataset but not in the rate. On each date, every state's office count equals BankFind's own server-side count for that state, and no office is counted twice. The 314 offices in Federated States of Micronesia, Guam, Marshall Islands, Northern Mariana Islands, Palau, Puerto Rico and US Virgin Islands are outside the table.

Residents are the Census Bureau's population estimates for states, vintage 2025: July 1, 2025 for the current rate and July 1, 2020 for the earlier one. The survey is taken each June 30, and the newest estimate is for the July before it, so both dates are read with the same gap, and from the same vintage, because each vintage revises every earlier year. The 50 states and DC sum exactly to the Census Bureau's national estimate for both years. The file was read from the Census Bureau's own dataset download; its data API requires a key that the build does not hold.

Limits

• Offices, not access. A branch count does not show distance, opening hours, ATMs or digital service, and it counts each office once however large it is.
• Banks and savings institutions only. Credit union branches are not in the FDIC's survey and are not counted here.
• Where people live, not where they bank. A branch in one state can serve people who live in another.
• Two dates. Branches are counted on June 30, 2026 and June 30, 2021; residents on July 1, 2025 and July 1, 2020. A state's figure between those dates is not shown.
• The FDIC's service codes. Whether an office is full service is the bank's own report to the FDIC, coded as the FDIC defines it.

Cite this

Free to quote, cite and republish, including the chart, with credit to Finantrix Atlas and a link to this page.

North Dakota has 48.8 full-service bank branches per 100,000 residents and Nevada has 11.8, according to a Finantrix Atlas analysis of FDIC Summary of Deposits data for June 30, 2026 and Census Bureau population estimates.

The US has 21.5 full-service bank branches per 100,000 residents, down from 23.8 in 2021, according to Finantrix Atlas, from FDIC and Census Bureau data.

Suggested citation: Finantrix Atlas, "Bank Branches per Capita by State," data as of June 30, 2026, from the FDIC Summary of Deposits and US Census Bureau population estimates. https://www.finantrix.com/articles/bank-branches-per-capita

Embed the chart:

<a href="https://www.finantrix.com/articles/bank-branches-per-capita"><img src="https://www.finantrix.com/atlas/bank-branches-per-capita.png" alt="Bank branches per 100,000 residents by state, from FDIC and Census Bureau data, by Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/bank-branches-per-capita">Finantrix Atlas</a>, from the FDIC Summary of Deposits and Census Bureau population estimates.</p>

Frequently asked questions

Q: Which state has the most bank branches per person? A: North Dakota, with 48.8 full-service bank branches per 100,000 residents on June 30, 2026, according to FDIC and Census Bureau data.

Q: Which state has the fewest bank branches per person? A: Nevada, with 11.8 full-service bank branches per 100,000 residents, or one for every 8,503 people, according to FDIC and Census Bureau data.

Q: How many bank branches are there per person in the US? A: 21.5 full-service branches per 100,000 residents, or one for every 4,662 people, across the 50 states and DC, according to FDIC and Census Bureau data for June 30, 2026.

Q: Are bank branches declining? A: Yes. Full-service bank branches fell from 78,831 to 73,320 between June 30, 2021 and June 30, 2026, according to the FDIC, and branches per resident fell in every state and DC.