Chase had 5,164 branches at the end of September, 146 more than the 5,018 it counted a year earlier. The count comes from JPMorgan Chase’s third-quarter earnings supplement, filed with the SEC after results on October 13. It is a net figure for the consumer bank, and it rose in every one of the last four quarters.
Four straight quarterly gains, in numbers
The earnings supplement lists branches at 5,018 in the third quarter of 2025, 5,083 in the fourth, 5,095 in the first quarter of 2026, 5,135 in the second and 5,164 in the third. That is a 3% rise over the year.
The pace was uneven. Chase added 65 branches in the fourth quarter of 2025, only 12 in the first quarter of 2026, then 40 and 29. The 146 added over the year is the sum of the four steps, and the supplement counts the net of openings and any closings.
The supplement does not say which towns got the new branches. It reports national totals, so anyone asking whether Chase is opening near them will not find a location in the filing.
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The expansion plan the count is tracking
Chase has been building toward a stated goal. In February 2024 it announced plans for more than 500 new branches over three years, about 1,700 renovations and 3,500 new employees, a “multi-billion dollar” commitment with no exact figure.
By July 2025 the company said it had built its 1,000th branch since launching the expansion in 2018, in Charlotte, North Carolina, and was on track for 500 new branches by early 2027. A company release said it wants to reach 75% of the U.S. population within an accessible drive and over 50% within each state.
At that point Chase said 68% of Americans lived within an accessible drive of a branch. The 2024 plan named low- and moderate-income and rural communities, along with Boston, Charlotte, the Greater Washington region, Minneapolis and Philadelphia. The 2025 release added Raleigh to the list.
What the branches are for
Jennifer Roberts, CEO of Chase Consumer Banking, said in the 2025 release that nearly one million customers visit its branches every day. The company puts the annual total at about 300 million visits and about 900 million transactions, with roughly 50,000 customer-facing staff.
Not every location is a standard branch. Chase said it had 19 Community Centers and 300 community-inspired branch locations in underserved areas, and planned 31 J.P. Morgan Financial Centers by the end of 2026. Those figures come from the 2025 release and are not updated in the quarterly supplement.
Customers are moving to phones faster than to counters
Over the same 12 months branches grew 3% while active mobile customers grew 7% to 64.9 million, and active digital customers rose 5% to about 78.0 million. The counter and the app are growing at the same time, but the app is growing more than twice as fast. Mobile users numbered 64,919 thousand against 60,924 thousand a year earlier, about 4 million more people, while the branch network added 146 locations.
Consumer & Community Banking deposits were $1.104 trillion at September 30, up 4%. Pulse 2.0’s account of the results said Chase added more than 650,000 net new checking accounts in the quarter and quoted CEO Jamie Dimon: “We ranked #1 in U.S. retail deposits for the sixth consecutive year.”
Deposit margin, the spread the bank earns on deposits, was 2.78% for the consumer bank’s banking and wealth unit, down 1 basis point from 2.79% a year earlier. A basis point is one hundredth of a percentage point, so the margin barely moved even as deposits climbed.
The consumer bank’s quarter
Firmwide deposits were $2.781 trillion at September 30, up 9%, and the consumer bank’s $1.104 trillion is about 40% of that. Chase’s consumer bank also employed 144,888 people, up 2% from 142,600 a year earlier, a slower pace than the 3% growth in branches.
Consumer & Community Banking earned $5.67 billion, up 13% from $5.01 billion, on revenue of $21.2 billion, up 9%. For the whole firm, net income was $15.3 billion. Provisions for credit losses in the consumer unit fell 20% to $2.03 billion.
Card credit improved. The card net charge-off rate, the share of balances written off, fell to 2.91% from 3.15% a year ago, and 30-day delinquencies fell to 1.97% from 2.14%. Card sales volume rose 10% to $539.5 billion. Auto originations fell 10% to $10.8 billion, while mortgage originations rose 15% to $16.0 billion.
The branch count rose while Chase expanded advice, too. The supplement shows 6,433 client advisors, up 7%, and client investment assets of $1.42 trillion, up 15%. Chase has not said how many of the 5,164 branches opened in 2026, or how many of the 500 promised new branches remain to be built before early 2027.
Is a new Chase branch coming to town?
A branch count says where a bank is building, not what a household pays for heat, food and drugs. Programs that offset those costs go unclaimed because each one requires its own application.
The Benefits Checklist is a guide that scans 11 benefit programs, from SNAP and heating help to Extra Help and property-tax breaks, with the 2026 income limits and a 50-state phone directory. A printable application tracker comes with the download, and Part 11 is the state-by-state directory.
Look up the 11 programs by state in the Benefits Checklist →
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This article was produced with AI assistance and edited for accuracy against the sources linked above.
Warren Cohen is a finance writer based in Phoenix, Arizona, covering personal finance topics including credit, banking, and beginner investing. He earned his degree in business administration from Arizona State University and began his career working in consumer finance, where he gained direct experience with lending and credit systems. He now writes for personal finance websites and fintech platforms, focusing on clear, practical content that helps readers make informed financial decisions.
