County banking markets / IA / 19103
JohnsonIowa
FIPS 19103. 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 (1,125) and highly concentrated on deposits (2,839).
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
21 branch offices and 10 institutions in 1994; 40 and 17 in 2025. Deposits booked in the county went from $1.07B to $4.90B, 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 | Hills Bank and Trust Company cert 14650 | $2.27B | 46.34% | 9 | 22.50% |
| 2 | MidWestOne Bank cert 14843 | $1.15B | 23.46% | 7 | 17.50% |
| 3 | U.S. Bank National Association cert 6548 | $358.7M | 7.32% | 4 | 10.00% |
| 4 | West Bank cert 15614 | $348.2M | 7.11% | 1 | 2.50% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $220.8M | 4.51% | 2 | 5.00% |
| 6 | Central State Bank cert 1550 | $150.8M | 3.08% | 3 | 7.50% |
| 7 | Solon State Bank cert 232 | $69.1M | 1.41% | 2 | 5.00% |
| 8 | Farmers and Merchants Savings Bank cert 10492 | $62.1M | 1.27% | 2 | 5.00% |
| 9 | Two Rivers Bank & Trust cert 58013 | $46.5M | 0.95% | 1 | 2.50% |
| 10 | First Trust and Savings Bank cert 10123 | $46.5M | 0.95% | 2 | 5.00% |
| 11 | JPMorgan Chase Bank, National Association cert 628 | $39.9M | 0.81% | 1 | 2.50% |
| 12 | BMO Bank National Association cert 16571 | $27.7M | 0.57% | 1 | 2.50% |
| 13 | Bridge Community Bank cert 12717 | $27.2M | 0.56% | 1 | 2.50% |
| 14 | CBI Bank & Trust cert 1552 | $27.0M | 0.55% | 1 | 2.50% |
| 15 | First Interstate Bank cert 1105 | $24.1M | 0.49% | 1 | 2.50% |
| 16 | Heartland Bank and Trust Company cert 20369 | $21.7M | 0.44% | 1 | 2.50% |
| 17 | Farmers State Bank cert 14209 | $9.7M | 0.20% | 1 | 2.50% |
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.