US Banks with the Most Branches (2026)

Ten banks run 32.9% of the 73,461 full-service branches of FDIC-insured US banks. JPMorgan Chase Bank has the largest network, with 5,117 branches and offices in 48 of the fifty states, followed by Wells Fargo Bank with 4,070 and Bank of America with 3,528. The median bank with a branch runs 4 branches.

This ranking counts every office of every FDIC-insured institution in the FDIC's Summary of Deposits for June 30, 2026: 75,859 offices at 4,249 institutions. A branch here is a full-service office a customer can walk into, as the FDIC codes it.

The 50 US banks with the most branches

Ranked by full-service branches on June 30, 2026. Each row is one bank charter; a holding company that owns more than one charter appears once per charter. Banks with the same count share a rank. "All offices" adds drive-through, administrative, trust, loan production and other limited-service offices, and offices that serve customers only online or by phone.

Rank	Bank	Headquarters	Full-service branches	All offices	States with an office	Deposits in those offices	Source
1	JPMorgan Chase Bank	Columbus, OH	5,117	5,141	48	$2.23 trillion	FDIC
2	Wells Fargo Bank	Sioux Falls, SD	4,070	4,157	39	$1.55 trillion	FDIC
3	Bank of America	Charlotte, NC	3,528	3,598	38	$1.98 trillion	FDIC
4	PNC Bank	Wilmington, DE	2,305	2,401	27	$457 billion	FDIC
5	U.S. Bank	Cincinnati, OH	2,076	2,097	29	$533 billion	FDIC
6	Truist Bank	Charlotte, NC	1,908	1,928	17	$419 billion	FDIC
7	Fifth Third Bank	Cincinnati, OH	1,499	1,513	15	$240 billion	FDIC
8	The Huntington National Bank	Columbus, OH	1,408	1,452	21	$227 billion	FDIC
9	Regions Bank	Birmingham, AL	1,221	1,245	16	$132 billion	FDIC
10	TD Bank	Wilmington, DE	1,046	1,050	15	$278 billion	FDIC
11	Citizens Bank	Providence, RI	963	971	15	$189 billion	FDIC
12	BMO Bank	Chicago, IL	958	988	23	$194 billion	FDIC
13	KeyBank	Cleveland, OH	943	951	16	$158 billion	FDIC
14	Manufacturers and Traders Trust Company	Buffalo, NY	909	957	13	$172 billion	FDIC
15	Woodforest National Bank	The Woodlands, TX	740	742	17	$8.1 billion	FDIC
16	Citibank	Sioux Falls, SD	661	667	12	$901 billion	FDIC
17	First-Citizens Bank & Trust Company	Raleigh, NC	510	518	23	$174 billion	FDIC
18	Zions Bancorporation	Salt Lake City, UT	407	409	11	$76.6 billion	FDIC
19	First Horizon Bank	Memphis, TN	402	406	12	$68.8 billion	FDIC
20	Pinnacle Bank	Nashville, TN	379	389	9	$102 billion	FDIC
21	Santander Bank	Wilmington, DE	365	368	9	$79.1 billion	FDIC
22	First National Bank Texas	Killeen, TX	357	358	4	$4.1 billion	FDIC
23	Columbia Bank	Roseburg, OR	351	360	8	$52.2 billion	FDIC
24	First National Bank of Pennsylvania	Greenville, PA	347	358	7	$39.1 billion	FDIC
25	Old National Bank	Evansville, IN	342	354	10	$57.0 billion	FDIC
26	SouthState Bank	Winter Haven, FL	341	349	8	$56.4 billion	FDIC
27	Flagstar Bank	Hicksville, NY	340	345	10	$67.5 billion	FDIC
28	Prosperity Bank	El Campo, TX	321	344	2	$32.9 billion	FDIC
29	First Interstate Bank	Billings, MT	270	274	10	$21.7 billion	FDIC
30	Bank OZK	Little Rock, AR	253	256	6	$34.0 billion	FDIC
31	Renasant Bank	Tupelo, MS	246	259	6	$22.2 billion	FDIC
32	Capital One	McLean, VA	238	245	8	$512 billion	FDIC
33	Glacier Bank	Kalispell, MT	236	252	9	$24.9 billion	FDIC
34	United Bank	Fairfax, VA	232	235	8	$27.3 billion	FDIC
35	Valley National Bank	Passaic, NJ	228	228	6	$54.3 billion	FDIC
36	Centennial Bank	Conway, AR	225	230	6	$19.6 billion	FDIC
37	Simmons Bank	Pine Bluff, AR	219	229	6	$19.9 billion	FDIC
37	Arvest Bank	Fayetteville, AR	219	225	4	$24.6 billion	FDIC
39	Associated Bank	Green Bay, WI	212	217	6	$40.1 billion	FDIC
40	Frost Bank	San Antonio, TX	210	222	1	$43.7 billion	FDIC
40	WesBanco Bank, Inc.	Wheeling, WV	210	217	8	$21.8 billion	FDIC
40	WaFd Bank	Seattle, WA	210	212	9	$21.1 billion	FDIC
43	Fulton Bank	Lancaster, PA	200	205	5	$27.4 billion	FDIC
44	Community Bank	Canton, NY	198	210	6	$14.9 billion	FDIC
45	Webster Bank ‡	Stamford, CT	193	194	4	$70.7 billion	FDIC
46	UMB Bank	Kansas City, MO	189	192	14	$60.2 billion	FDIC
47	United Community Bank	Greenville, SC	188	190	6	$24.1 billion	FDIC
48	Hancock Whitney Bank	Gulfport, MS	180	186	5	$29.9 billion	FDIC
49	Atlantic Union Bank	Richmond City, VA	175	177	3	$30.6 billion	FDIC
50	NBT Bank	Norwich, NY	173	175	7	$13.7 billion	FDIC

‡ Closed after the survey date: Webster Bank on August 20, 2026. The FDIC records the end of the charter; the offices shown are those it ran on June 30, 2026.

Download this table (CSV), free. The full dataset, every insured institution with its office count by service type, is one email away.

How concentrated the branch network is

• The largest network holds 7.0% of all full-service branches of insured banks.
• The largest four hold 20.4%, and the largest ten hold 32.9%.
• The 50 banks in the table run 52.4%. The smallest network in the table has 173 branches.
• According to the FDIC, 734 insured institutions operate from a single office.
• Beyond the full-service branches, the survey lists 2,398 other offices.

Branches and deposits are different rankings

A large deposit base does not need a large branch network. One of the ten banks with the most deposits in US offices is not among the 50 largest branch networks: Goldman Sachs Bank USA. Of those ten, Goldman Sachs Bank USA has the fewest branches: 3, against $473 billion in deposits, the 7th largest of any insured bank, according to FDIC data.

The FDIC's codes also show where a network sits. Two of the 50 have most of their branches in what the FDIC codes as full-service retail offices: Woodforest National Bank (701 of 740) and First National Bank Texas (339 of 357).

What this means for technology buyers

A branch count says how a bank reaches its customers, and so which systems it has to run in person as well as online. A bank with a large network needs its branches and its digital channels to work from the same accounts; a bank with a large deposit base and few branches depends on its digital channels to open and serve accounts at all. 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 retail banks: account opening and servicing, in the branch and online.
• Cloud-based core banking systems: the ledger every branch and channel reads from.
• Financial BI dashboards for bank executives: for measuring how a branch network performs.

Planning the change before choosing the vendor? The Retail Bank Business Capability Model maps what a retail bank does across its branches and channels, and the Bank Value Streams show how that work reaches a customer.

More from Finantrix Atlas

• Largest banks in the US, ranked by total assets
• Largest community banks in the US
• US bank mergers of the past year
• Largest credit unions in the US

How this list was built

The FDIC's Summary of Deposits is an annual survey of every office of every FDIC-insured institution as of June 30, with the deposits each office holds and a service-type code the FDIC assigns. This page counts as a branch every office coded full service, brick and mortar; full service, retail; full service, mobile; or full service, seasonal. Offices coded full service, home banking or home and phone banking are full service in the FDIC's coding but are not a place, so they are in "all offices" and not in the branch count, as are limited-service offices.

Two other counts were compared with the survey:

• The FDIC's Call Report office count. Each bank's Call Report for June 30, 2026 reports its number of domestic offices, including its head office, from a different filing. It does not equal the survey office by office: for the 50 banks in the table it totals 39,542 offices, against 39,246 in the survey. Ranked on that count instead, the ten largest networks are the same banks, in the same order.
• The Federal Reserve's Large Commercial Banks release prints each insured commercial bank's domestic branches for the same quarter. Each of the 50 commercial banks in the table appears there, within 10% of its office count in the survey; the largest difference is 5.8%, and 3 match exactly. The release's own notes say its branch counts can differ for banks owned by foreign banking organizations.

Each bank's surveyed offices were also summed and compared with the domestic deposits in its Call Report for the same date, which shows the survey was read for the whole bank.

Limits

• Banks, not bank holding companies. A group that owns several charters runs more branches than any one of its rows.
• A branch is the FDIC's service type. An office that the FDIC codes as full service counts the same whatever its size, and the count says nothing about opening hours, staffing or what each branch offers.
• Insured institutions only. Credit union branches are not counted; credit unions file with the NCUA, not the FDIC.
• Once a year. The survey describes June 30, 2026. Branches open, close and change hands through the year, and a merger after that date is not reflected until the next survey.
• Branches are not customers. The count shows the size of a physical network, not how many people use it or how much business it does. The deposits column shows the deposits each bank's offices hold.

Cite this

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

Ten banks run 32.9% of the 73,461 full-service branches of FDIC-insured US banks, and JPMorgan Chase Bank alone runs 5,117, according to a Finantrix Atlas analysis of the FDIC's June 30, 2026 Summary of Deposits.

The median US bank with a branch runs 4 full-service branches, according to Finantrix Atlas.

Suggested citation: Finantrix Atlas, "US Banks with the Most Branches," data as of June 30, 2026, from the FDIC Summary of Deposits. https://www.finantrix.com/articles/banks-with-most-branches

Embed the chart:

<a href="https://www.finantrix.com/articles/banks-with-most-branches"><img src="https://www.finantrix.com/atlas/banks-with-most-branches.png" alt="The US banks with the most branches, from Finantrix Atlas"></a>
<p>Chart: <a href="https://www.finantrix.com/articles/banks-with-most-branches">Finantrix Atlas</a>, from the FDIC Summary of Deposits.</p>

Frequently asked questions

Q: Which US bank has the most branches? A: JPMorgan Chase Bank, with 5,117 full-service branches on June 30, 2026, according to the FDIC's Summary of Deposits.

Q: How many bank branches are there in the US? A: 73,461 full-service branches of FDIC-insured institutions on June 30, 2026, according to the FDIC's Summary of Deposits. Counting drive-through, administrative and other limited-service offices too, the survey lists 75,859 offices.

Q: What counts as a branch? A: An office the FDIC codes as full service and that a customer can visit: in the FDIC's coding, a brick-and-mortar, retail, mobile or seasonal office. Drive-through-only facilities, administrative, trust and loan production offices, and online or phone-only offices are counted separately.

Q: How much of the US branch network do the largest banks run? A: The four largest networks run 20.4% of full-service bank branches, and the ten largest run 32.9%.

Q: Why do branch counts differ between sources? A: Each source counts differently. The FDIC's Summary of Deposits lists offices by service type on June 30; the Call Report counts every domestic office, including the head office; the Federal Reserve's release prints its own domestic-branch figure. On June 30, 2026 the ten largest networks were the same banks, in the same order, on the survey and the Call Report count.