diff --git a/accounts-db/accounts-hash-cache-tool/src/main.rs b/accounts-db/accounts-hash-cache-tool/src/main.rs
index 5d8d8b9e9fd049..98b9f914143f11 100644
--- a/accounts-db/accounts-hash-cache-tool/src/main.rs
+++ b/accounts-db/accounts-hash-cache-tool/src/main.rs
@@ -7,14 +7,16 @@ use {
     },
     memmap2::Mmap,
     solana_accounts_db::{
-        accounts_hash::AccountHash, parse_cache_hash_data_filename, CacheHashDataFileEntry,
-        CacheHashDataFileHeader, ParsedCacheHashDataFilename,
+        accounts_hash::AccountHash, parse_cache_hash_data_filename,
+        pubkey_bins::PubkeyBinCalculator24, CacheHashDataFileEntry, CacheHashDataFileHeader,
+        ParsedCacheHashDataFilename,
     },
     solana_program::pubkey::Pubkey,
     std::{
         cmp::{self, Ordering},
         fs::{self, File, Metadata},
         io::{self, BufReader, Read},
+        iter,
         mem::size_of,
         num::Saturating,
         path::{Path, PathBuf},
@@ -295,10 +297,7 @@ fn do_diff_dirs(
     dir2: impl AsRef<Path>,
     then_diff_files: bool,
 ) -> Result<(), String> {
-    let _timer = ElapsedOnDrop {
-        message: "diffing directories took ".to_string(),
-        start: Instant::now(),
-    };
+    let _timer = ElapsedOnDrop::new("diffing directories took ");
 
     let files1 = get_cache_files_in(dir1)
         .map_err(|err| format!("failed to get cache files in dir1: {err}"))?;
@@ -358,10 +357,10 @@ fn do_diff_dirs(
                             }
 
                             // if the file headers have different entry counts, they are not equal
-                            let Ok((mmap1, header1)) = map_file(&file1.path, false) else {
+                            let Ok((mmap1, header1)) = mmap_file(&file1.path, false) else {
                                 return false;
                             };
-                            let Ok((mmap2, header2)) = map_file(&file2.path, false) else {
+                            let Ok((mmap2, header2)) = mmap_file(&file2.path, false) else {
                                 return false;
                             };
                             if header1.count != header2.count {
@@ -490,33 +489,81 @@ fn get_cache_files_in(dir: impl AsRef<Path>) -> Result<Vec<CacheFileInfo>, io::E
 ///
 /// If there are multiple entries for a pubkey, only the latest is returned.
 fn extract_latest_entries_in(file: impl AsRef<Path>) -> Result<LatestEntriesInfo, String> {
-    let force = false; // skipping sanity checks is not supported when extracting entries
-    let (reader, header) = open_file(&file, force).map_err(|err| {
-        format!(
-            "failed to open accounts hash cache file '{}': {err}",
-            file.as_ref().display(),
-        )
-    })?;
+    const NUM_BINS: usize = 1;
+    let BinnedLatestEntriesInfo {
+        latest_entries,
+        capitalization,
+    } = extract_binned_latest_entries_in(iter::once(file), NUM_BINS)?;
+    assert_eq!(latest_entries.len(), NUM_BINS);
+    let mut latest_entries = Vec::from(latest_entries);
+    let latest_entries = latest_entries.pop().unwrap();
 
-    // entries in the file are sorted by pubkey then slot,
-    // so we want to keep the *last* entry (if there are duplicates)
+    Ok(LatestEntriesInfo {
+        latest_entries,
+        capitalization,
+    })
+}
+
+/// Returns the entries in `files`, binned by pubkey, and the capitalization
+///
+/// If there are multiple entries for a pubkey, only the latest is returned.
+///
+/// Note: `files` must be sorted in ascending order, as insertion order is
+/// relied on to guarantee the latest entry is returned.
+fn extract_binned_latest_entries_in(
+    files: impl IntoIterator<Item = impl AsRef<Path>>,
+    bins: usize,
+) -> Result<BinnedLatestEntriesInfo, String> {
+    let binner = PubkeyBinCalculator24::new(bins);
+    let mut entries: Box<_> = iter::repeat_with(HashMap::default).take(bins).collect();
     let mut capitalization = Saturating(0);
-    let mut entries = HashMap::default();
-    scan_file(reader, header.count, |entry| {
-        capitalization += entry.lamports;
-        let old_value = entries.insert(entry.pubkey, (entry.hash, entry.lamports));
-        if let Some((_, old_lamports)) = old_value {
-            // back out the old value's lamports, so we only keep the latest's for capitalization
-            capitalization -= old_lamports;
+
+    for file in files.into_iter() {
+        let force = false; // skipping sanity checks is not supported when extracting entries
+        let (mmap, header) = mmap_file(&file, force).map_err(|err| {
+            format!(
+                "failed to open accounts hash cache file '{}': {err}",
+                file.as_ref().display(),
+            )
+        })?;
+
+        let num_entries = scan_mmap(&mmap, |entry| {
+            capitalization += entry.lamports;
+            let bin = binner.bin_from_pubkey(&entry.pubkey);
+            let old_value = entries[bin].insert(entry.pubkey, (entry.hash, entry.lamports));
+            if let Some((_, old_lamports)) = old_value {
+                // back out the old value's lamports, so we only keep the latest's for capitalization
+                capitalization -= old_lamports;
+            }
+        });
+
+        if num_entries != header.count {
+            return Err(format!(
+                "mismatched number of entries when scanning '{}': expected: {}, actual: {num_entries}",
+                file.as_ref().display(), header.count,
+            ));
         }
-    })?;
+    }
 
-    Ok(LatestEntriesInfo {
+    Ok(BinnedLatestEntriesInfo {
         latest_entries: entries,
         capitalization: capitalization.0,
     })
 }
 
+/// Scans `mmap` and applies `user_fn` to each entry
+fn scan_mmap(mmap: &Mmap, mut user_fn: impl FnMut(&CacheHashDataFileEntry)) -> usize {
+    const SIZE_OF_ENTRY: usize = size_of::<CacheHashDataFileEntry>();
+    let bytes = &mmap[size_of::<CacheHashDataFileHeader>()..];
+    let mut num_entries = Saturating(0);
+    for chunk in bytes.chunks_exact(SIZE_OF_ENTRY) {
+        let entry = bytemuck::from_bytes(chunk);
+        user_fn(entry);
+        num_entries += 1;
+    }
+    num_entries.0
+}
+
 /// Scans file with `reader` and applies `user_fn` to each entry
 ///
 /// NOTE: `reader`'s cursor must already be at the first entry; i.e. *past* the header.
@@ -551,7 +598,7 @@ fn scan_file(
     Ok(())
 }
 
-fn map_file(
+fn mmap_file(
     path: impl AsRef<Path>,
     force: bool,
 ) -> Result<(Mmap, CacheHashDataFileHeader), String> {
@@ -612,12 +659,28 @@ struct LatestEntriesInfo {
     capitalization: u64, // lamports
 }
 
+#[derive(Debug)]
+struct BinnedLatestEntriesInfo {
+    latest_entries: Box<[HashMap<Pubkey, (AccountHash, /* lamports */ u64)>]>,
+    capitalization: u64, // lamports
+}
+
 #[derive(Debug)]
 struct ElapsedOnDrop {
     message: String,
     start: Instant,
 }
 
+impl ElapsedOnDrop {
+    #[must_use]
+    fn new(message: impl Into<String>) -> Self {
+        Self {
+            message: message.into(),
+            start: Instant::now(),
+        }
+    }
+}
+
 impl Drop for ElapsedOnDrop {
     fn drop(&mut self) {
         let elapsed = self.start.elapsed();
diff --git a/accounts-db/src/lib.rs b/accounts-db/src/lib.rs
index 3cc8f686eff2e0..fccd1d43695732 100644
--- a/accounts-db/src/lib.rs
+++ b/accounts-db/src/lib.rs
@@ -31,7 +31,7 @@ pub mod epoch_accounts_hash;
 mod file_io;
 pub mod hardened_unpack;
 pub mod partitioned_rewards;
-mod pubkey_bins;
+pub mod pubkey_bins;
 mod read_only_accounts_cache;
 mod rolling_bit_field;
 pub mod secondary_index;
diff --git a/accounts-db/src/pubkey_bins.rs b/accounts-db/src/pubkey_bins.rs
index becfca39dd8e71..ec1d2ad62ea880 100644
--- a/accounts-db/src/pubkey_bins.rs
+++ b/accounts-db/src/pubkey_bins.rs
@@ -16,7 +16,7 @@ impl PubkeyBinCalculator24 {
         Self::num_bits::<u32>() as u32 - x.leading_zeros() - 1
     }
 
-    pub(crate) fn new(bins: usize) -> Self {
+    pub fn new(bins: usize) -> Self {
         const MAX_BITS: u32 = 24;
         assert!(bins > 0);
         let max_plus_1 = 1 << MAX_BITS;
@@ -29,7 +29,7 @@ impl PubkeyBinCalculator24 {
     }
 
     #[inline]
-    pub(crate) fn bin_from_pubkey(&self, pubkey: &Pubkey) -> usize {
+    pub fn bin_from_pubkey(&self, pubkey: &Pubkey) -> usize {
         let as_ref = pubkey.as_ref();
         ((as_ref[0] as usize) << 16 | (as_ref[1] as usize) << 8 | (as_ref[2] as usize))
             >> self.shift_bits