County banking markets / IA / 19113
LinnIowa
FIPS 19113. 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 (601) and unconcentrated on deposits (1,285).
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
58 branch offices and 21 institutions in 1994; 68 and 26 in 2025. Deposits booked in the county went from $2.04B to $6.67B, 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 | Cedar Rapids Bank and Trust Company cert 57244 | $1.68B | 25.23% | 6 | 8.82% |
| 2 | U.S. Bank National Association cert 6548 | $937.7M | 14.07% | 4 | 5.88% |
| 3 | Farmers State Bank cert 14209 | $871.2M | 13.07% | 8 | 11.76% |
| 4 | Hills Bank and Trust Company cert 14650 | $714.9M | 10.73% | 7 | 10.29% |
| 5 | Wells Fargo Bank, National Association cert 3511 | $624.3M | 9.37% | 5 | 7.35% |
| 6 | Bankers Trust Company cert 953 | $401.2M | 6.02% | 3 | 4.41% |
| 7 | Fairfax State Savings Bank cert 8083 | $210.2M | 3.15% | 2 | 2.94% |
| 8 | Farmers & Merchants Savings Bank cert 9298 | $157.5M | 2.36% | 2 | 2.94% |
| 9 | Mount Vernon Bank and Trust Company cert 10494 | $150.2M | 2.25% | 1 | 1.47% |
| 10 | Ohnward Bank & Trust cert 10111 | $141.7M | 2.13% | 3 | 4.41% |
| 11 | Community Savings Bank cert 14633 | $137.8M | 2.07% | 4 | 5.88% |
| 12 | Hiawatha Bank and Trust Company cert 34488 | $119.7M | 1.80% | 3 | 4.41% |
| 13 | BMO Bank National Association cert 16571 | $118.7M | 1.78% | 3 | 4.41% |
| 14 | BankIowa cert 17282 | $110.8M | 1.66% | 3 | 4.41% |
| 15 | Heartland Bank and Trust Company cert 20369 | $58.6M | 0.88% | 2 | 2.94% |
| 16 | Palo Savings Bank cert 13990 | $44.7M | 0.67% | 1 | 1.47% |
| 17 | The Exchange State Bank cert 16094 | $34.3M | 0.51% | 1 | 1.47% |
| 18 | Bridge Community Bank cert 12717 | $25.8M | 0.39% | 1 | 1.47% |
| 19 | MidWestOne Bank cert 14843 | $21.2M | 0.32% | 1 | 1.47% |
| 20 | Central State Bank cert 1550 | $18.8M | 0.28% | 1 | 1.47% |
| 21 | Kerndt Brothers Savings Bank cert 8761 | $18.6M | 0.28% | 1 | 1.47% |
| 22 | Solon State Bank cert 232 | $16.3M | 0.24% | 1 | 1.47% |
| 23 | Heritage Bank cert 18463 | $13.5M | 0.20% | 2 | 2.94% |
| 24 | First Interstate Bank cert 1105 | $13.4M | 0.20% | 1 | 1.47% |
| 25 | Keystone Savings Bank cert 17993 | $13.2M | 0.20% | 1 | 1.47% |
| 26 | Citizens State Bank cert 9047 | $9.4M | 0.14% | 1 | 1.47% |
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.