County banking markets / IA / 19109
KossuthIowa
FIPS 19109. 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 (1,413) and moderately concentrated on deposits (1,659).
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
17 branch offices and 11 institutions in 1994; 19 and 9 in 2025. Deposits booked in the county went from $319.7M to $899.8M, 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 | Iowa State Bank cert 950 | $278.0M | 30.89% | 3 | 15.79% |
| 2 | Farmers State Bank cert 8760 | $117.5M | 13.05% | 3 | 15.79% |
| 3 | Northwest Bank cert 32647 | $112.1M | 12.46% | 1 | 5.26% |
| 4 | West Iowa Bank cert 9105 | $104.9M | 11.65% | 3 | 15.79% |
| 5 | Security State Bank cert 15839 | $90.0M | 10.01% | 4 | 21.05% |
| 6 | Fidelity Bank & Trust cert 14382 | $72.5M | 8.05% | 1 | 5.26% |
| 7 | NSB Bank cert 8094 | $66.5M | 7.39% | 1 | 5.26% |
| 8 | Bank Plus cert 16547 | $39.7M | 4.42% | 2 | 10.53% |
| 9 | Farmers Trust and Savings Bank cert 14195 | $18.7M | 2.08% | 1 | 5.26% |
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.