County banking markets / IA / 19049
DallasIowa
FIPS 19049. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 99 counties in Iowa’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (481) and unconcentrated on deposits (695).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
15 branch offices and 7 institutions in 1994; 43 and 28 in 2025. Deposits booked in the county went from $338.4M to $2.38B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | Raccoon Valley Bank cert 245 | $367.3M | 15.42% | 3 | 6.98% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $217.4M | 9.13% | 2 | 4.65% |
| 3 | Earlham Savings Bank cert 5796 | $208.5M | 8.75% | 5 | 11.63% |
| 4 | Bank Iowa cert 14521 | $173.6M | 7.29% | 2 | 4.65% |
| 5 | Freedom Financial Bank cert 35031 | $161.3M | 6.77% | 1 | 2.33% |
| 6 | Bank of America, National Association cert 3510 | $155.2M | 6.51% | 1 | 2.33% |
| 7 | Luana Savings Bank cert 253 | $143.8M | 6.04% | 1 | 2.33% |
| 8 | BMO Bank National Association cert 16571 | $124.7M | 5.23% | 2 | 4.65% |
| 9 | Lincoln Savings Bank cert 14207 | $103.6M | 4.35% | 1 | 2.33% |
| 10 | Farmers State Bank cert 12855 | $98.3M | 4.12% | 1 | 2.33% |
| 11 | Peoples Bank cert 14692 | $92.7M | 3.89% | 2 | 4.65% |
| 12 | Iowa Trust & Savings Bank cert 18400 | $69.5M | 2.92% | 1 | 2.33% |
| 13 | JPMorgan Chase Bank, National Association cert 628 | $62.1M | 2.61% | 3 | 6.98% |
| 14 | MidWestOne Bank cert 14843 | $52.5M | 2.21% | 2 | 4.65% |
| 15 | Central Bank cert 15555 | $46.0M | 1.93% | 1 | 2.33% |
| 16 | Charter Bank cert 34686 | $45.4M | 1.91% | 1 | 2.33% |
| 17 | West Bank cert 15614 | $44.9M | 1.88% | 1 | 2.33% |
| 18 | First Interstate Bank cert 1105 | $44.1M | 1.85% | 2 | 4.65% |
| 19 | BANK cert 14291 | $32.7M | 1.37% | 1 | 2.33% |
| 20 | Central State Bank cert 10903 | $28.3M | 1.19% | 1 | 2.33% |
| 21 | Security National Bank of Omaha cert 19213 | $25.1M | 1.05% | 1 | 2.33% |
| 22 | Midwest Heritage Bank, FSB cert 4432 | $21.6M | 0.91% | 1 | 2.33% |
| 23 | Community State Bank cert 18272 | $18.3M | 0.77% | 1 | 2.33% |
| 24 | TruBank cert 25267 | $16.2M | 0.68% | 1 | 2.33% |
| 25 | First State Bank cert 16177 | $14.2M | 0.60% | 2 | 4.65% |
| 26 | VISIONBANK OF IOWA cert 11763 | $10.7M | 0.45% | 1 | 2.33% |
| 27 | Union State Bank cert 14982 | $4.3M | 0.18% | 1 | 2.33% |
| 28 | First National Bank, Ames, Iowa cert 1545 | $0K | 0.00% | 1 | 2.33% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Iowa, or read the methodology for the two HHI constructions and what they cannot tell you.