Twenty-five different banks hold the branch-count lead somewhere in the United States, counting the 50 states and the District of Columbia.
In most of those places the leader is not a household name. And Bank of America, which operates 3,640 branches nationwide, the third-largest network of any bank in the country, does not lead in a single one.
Chase and Wells Fargo Together Lead Only 15 of 51 Jurisdictions
JPMorgan Chase, which brands its branches as Chase, leads 8 states, more than any other lender: Arizona, California, Illinois, Indiana, Louisiana, New York, Texas, and Washington. It also has the largest network overall, at 4,993 locations.
Wells Fargo is close behind, leading 7 states plus the District of Columbia, with 4,214 branches nationwide. Together the two account for 15 of 51 jurisdictions, or 29%. The other 36 go to someone else.
Six banking corporations have at least 1,500 branches nationwide: Chase, Wells Fargo, Bank of America, PNC Bank, U.S. Bank, and Truist Bank. Those six were the most common bank in 23 states. Smaller institutions took the rest.
Bank of America's 3,640 Branches Lead No State
Only three banks operate more than 3,000 branches in the U.S.: Chase, Wells Fargo, and Bank of America. Bank of America's 3,640 locations put it well ahead of PNC's 2,316, the next-largest network after the top three. It still doesn't finish first in any state or in D.C.
Leading a large state takes a lot of branches. Chase holds 871 in California, Wells Fargo 463 in Florida, counts built up in a handful of strongholds.
bank whose locations are spread more evenly across those same states can carry a big national total without topping the list in any one of them.
Four Banks Tie for Second Place at Three States Each
Below the two giants, four institutions each lead in three states, and each cluster sits close to home:
- Regions Bank in Alabama, Mississippi, and Tennessee
- M&T Bank in Connecticut, Maryland, and Vermont
- Truist Bank in Georgia, North Carolina, and Virginia
- U.S. Bank in Idaho, Iowa, and Oregon
M&T has the smallest national network of the four, at 979 branches. That is still a network in the hundreds.
Home-State Banks Lead in Hawaii, Utah, West Virginia, and Montana
In several states the leader is headquartered inside the state's own borders: Bank of Hawaii in Hawaii (47 branches), Zions Bank in Utah (94), City National Bank of West Virginia in West Virginia (58), and Glacier Bank in Montana (63). Glacier leads Wyoming too, with 18 branches.
Other state leaders are names most Americans have never seen on a sign: Arvest Bank in Arkansas, Capitol Federal Savings Bank in Kansas, Community Trust Bank in Kentucky, Bangor Savings Bank in Maine, Central Bank in Missouri, Pinnacle Bank in Nebraska, Gate City Bank in North Dakota, BancFirst in Oklahoma, and First Interstate Bank in South Dakota.
The Most Common Bank in Every State
| State | Most Common Bank | Branches | Per 100,000 People |
|---|---|---|---|
| Alabama | Regions Bank | 186 | 3.6 |
| Alaska | Wells Fargo | 37 | 5.0 |
| Arizona | Chase | 187 | 2.5 |
| Arkansas | Arvest Bank | 97 | 3.1 |
| California | Chase | 871 | 2.2 |
| Colorado | Wells Fargo | 120 | 2.0 |
| Connecticut | M&T Bank | 116 | 3.1 |
| Delaware | PNC Bank | 36 | 3.4 |
| District of Columbia | Wells Fargo | 25 | 3.6 |
| Florida | Wells Fargo | 463 | 2.0 |
| Georgia | Truist Bank | 203 | 1.8 |
| Hawaii | Bank of Hawaii | 47 | 3.3 |
| Idaho | U.S. Bank | 51 | 2.5 |
| Illinois | Chase | 263 | 2.1 |
| Indiana | Chase | 117 | 1.7 |
| Iowa | U.S. Bank | 55 | 1.7 |
| Kansas | Capitol Federal Savings Bank | 42 | 1.4 |
| Kentucky | Community Trust Bank, Inc. | 72 | 1.6 |
| Louisiana | Chase | 100 | 2.2 |
| Maine | Bangor Savings Bank | 63 | 4.5 |
| Maryland | M&T Bank | 157 | 2.5 |
| Massachusetts | Citizens Bank | 182 | 2.5 |
| Michigan | The Huntington National Bank | 299 | 3.0 |
| Minnesota | Wells Fargo | 123 | 2.1 |
| Mississippi | Regions Bank | 98 | 3.3 |
| Missouri | Central Bank | 139 | 2.2 |
| Montana | Glacier Bank | 63 | 5.5 |
| Nebraska | Pinnacle Bank | 65 | 3.2 |
| Nevada | Wells Fargo | 88 | 2.7 |
| New Hampshire | TD Bank | 45 | 3.2 |
| New Jersey | TD Bank | 216 | 2.3 |
| New Mexico | Wells Fargo | 54 | 2.5 |
| New York | Chase | 577 | 2.9 |
| North Carolina | Truist Bank | 276 | 2.5 |
| North Dakota | Gate City Bank | 36 | 4.5 |
| Ohio | The Huntington National Bank | 343 | 2.9 |
| Oklahoma | BancFirst | 113 | 2.7 |
| Oregon | U.S. Bank | 116 | 2.7 |
| Pennsylvania | PNC Bank | 264 | 2.0 |
| Rhode Island | Citizens Bank | 52 | 4.7 |
| South Carolina | First-Citizens Bank | 113 | 2.0 |
| South Dakota | First Interstate Bank | 46 | 4.9 |
| Tennessee | Regions Bank | 194 | 2.7 |
| Texas | Chase | 477 | 1.5 |
| Utah | Zions Bank | 94 | 2.7 |
| Vermont | M&T Bank | 35 | 5.4 |
| Virginia | Truist Bank | 259 | 2.9 |
| Washington | Chase | 152 | 1.9 |
| West Virginia | City National Bank of West Virginia | 58 | 3.3 |
| Wisconsin | BMO Bank | 150 | 2.5 |
| Wyoming | Glacier Bank | 18 | 3.1 |
Population Adjustment Puts Montana and Vermont on Top
Branch totals track population, so the biggest states post the biggest numbers. California, New York, Texas, and Florida each have more than 400 branches of their leading bank and thousands of bank locations overall; Texas alone has 6,211.
Alaska, Wyoming, Hawaii, and several other lightly populated states have fewer than 300 bank locations in the entire state, with leaders measured in dozens.
Adjust for population and the order changes. Glacier Bank's 63 branches work out to 5.5 locations per 100,000 residents in Montana, and M&T's 35 branches in Vermont come to 5.4, the two densest state leaders in the data. Chase's 477 Texas branches come to 1.5 per 100,000, the same rate as its nationwide figure.
Total banking access varies just as widely. Nationwide there are 75,804 bank locations, or 22.2 per 100,000 people. Nebraska sits at 51.7 per 100,000 and North Dakota at 51.5, while Nevada has 12.2 and Arizona 12.7.
Put that in concrete terms. A move from Ohio, where Huntington's 343 branches lead the state, to Nevada, where Wells Fargo's 88 do, changes the name on the door and also the number of bank buildings that exist per resident.
The 10 Largest Branch Networks Nationwide
| Rank | Bank | Branches | Per 100,000 Americans |
|---|---|---|---|
| 1 | JPMorgan Chase (Chase) | 4,993 | 1.5 |
| 2 | Wells Fargo | 4,214 | 1.2 |
| 3 | Bank of America | 3,640 | 1.1 |
| 4 | PNC Bank | 2,316 | 0.7 |
| 5 | U.S. Bank | 2,117 | 0.6 |
| 6 | Truist Bank | 1,928 | 0.6 |
| 7 | Regions Bank | 1,250 | 0.4 |
| 8 | TD Bank | 1,103 | 0.3 |
| 9 | Fifth Third Bank | 1,097 | 0.3 |
| 10 | Huntington Bank | 1,008 | 0.3 |
What Keeps Regional Banks on Top of Their Home Markets
Decades of bank consolidation haven't erased regional leaders, and the branch counts suggest why. Their networks were assembled through mergers inside one region, so the density piles up in a few states instead of being stretched across all of them.
Megabanks have put their newer branches where the population already is, in the largest metro areas, which leaves the incumbent in front across smaller and rural states.
Headquarters matter as well: a bank based in the state it leads keeps spending there, and the relationship banking and small-business lending it competes on stay relevant even as mobile-first banks expand nationally.
One factor sits outside the branch data entirely. Regulators review bank charters and mergers, and deposit-share limits in a given market can make it harder for the largest banks to buy their way to the top spot in a state where a regional player is already entrenched.
Fees, Rates, and App Quality Sit Outside the Branch Count
This analysis counts buildings. It says nothing about fees, interest rates, ATM networks, app quality, customer service, or lending standards, which are the things most people notice after opening an account.
A bank with the most branches in a state may or may not offer competitive terms there. Online banks and credit unions don't appear in a branch ranking at all, since their model doesn't depend on physical locations.
Branch presence still matters in some situations: cash-heavy small businesses, notarized documents, safe deposit boxes, and anyone who would rather settle a dispute in person. It matters less for someone whose banking happens entirely on a phone.
How the Rankings Were Measured
The analysis used FDIC BankFind branch location records together with Census population estimates to identify the bank with the most physical branches in each of the 50 states and D.C., and to rank banks by total branches nationwide.
Locations per 100,000 people is each bank's branch count divided by state population and scaled to 100,000 residents. The FDIC data was accessed in July 2026.
Megabanks Lead Fewer Than Half the Jurisdictions Counted
The six banks with more than 1,500 locations apiece lead 23 of the 51 jurisdictions counted here.
The other 28 belong to regional and state-level institutions, some with fewer than 50 branches to their name, and the two densest state leaders in the data, Glacier Bank in Montana and M&T in Vermont, come out of that group.
Which bank has the most doors in a state is one fact about it, and not a description of what an account there costs.
