County banking markets / IA / 19153
PolkIowa
FIPS 19153. 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 (459) and unconcentrated on deposits (1,404).
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
107 branch offices and 25 institutions in 1994; 130 and 41 in 2025. Deposits booked in the county went from $4.53B to $29.79B, 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 | Principal Bank cert 34507 | $8.38B | 28.13% | 1 | 0.77% |
| 2 | Bankers Trust Company cert 953 | $4.43B | 14.86% | 12 | 9.23% |
| 3 | Wells Fargo Bank, National Association cert 3511 | $3.24B | 10.89% | 12 | 9.23% |
| 4 | U.S. Bank National Association cert 6548 | $3.22B | 10.80% | 11 | 8.46% |
| 5 | West Bank cert 15614 | $2.52B | 8.45% | 5 | 3.85% |
| 6 | Bank of America, National Association cert 3510 | $2.21B | 7.41% | 3 | 2.31% |
| 7 | Community State Bank cert 18272 | $1.25B | 4.21% | 8 | 6.15% |
| 8 | First Interstate Bank cert 1105 | $548.9M | 1.84% | 5 | 3.85% |
| 9 | Iowa State Bank cert 15808 | $377.9M | 1.27% | 5 | 3.85% |
| 10 | Northwest Bank cert 32647 | $367.3M | 1.23% | 3 | 2.31% |
| 11 | Central Bank cert 15555 | $341.5M | 1.15% | 5 | 3.85% |
| 12 | BMO Bank National Association cert 16571 | $299.6M | 1.01% | 6 | 4.62% |
| 13 | Lincoln Savings Bank cert 14207 | $283.8M | 0.95% | 3 | 2.31% |
| 14 | VISIONBANK OF IOWA cert 11763 | $261.1M | 0.88% | 5 | 3.85% |
| 15 | Midwest Heritage Bank, FSB cert 4432 | $212.5M | 0.71% | 5 | 3.85% |
| 16 | Luana Savings Bank cert 253 | $177.7M | 0.60% | 1 | 0.77% |
| 17 | Bank Iowa cert 14521 | $174.7M | 0.59% | 2 | 1.54% |
| 18 | First National Bank, Ames, Iowa cert 1545 | $172.4M | 0.58% | 3 | 2.31% |
| 19 | Charter Bank cert 34686 | $142.7M | 0.48% | 3 | 2.31% |
| 20 | South Story Bank & Trust cert 17348 | $126.1M | 0.42% | 1 | 0.77% |
| 21 | Grinnell State Bank cert 11347 | $124.9M | 0.42% | 2 | 1.54% |
| 22 | City State Bank cert 14410 | $108.6M | 0.36% | 1 | 0.77% |
| 23 | State Savings Bank cert 248 | $104.2M | 0.35% | 1 | 0.77% |
| 24 | Great Southern Bank cert 29546 | $100.1M | 0.34% | 4 | 3.08% |
| 25 | Two Rivers Bank & Trust cert 58013 | $80.9M | 0.27% | 3 | 2.31% |
| 26 | JPMorgan Chase Bank, National Association cert 628 | $76.4M | 0.26% | 4 | 3.08% |
| 27 | Peoples Bank cert 14692 | $70.0M | 0.23% | 1 | 0.77% |
| 28 | Regions Bank cert 12368 | $56.5M | 0.19% | 1 | 0.77% |
| 29 | Availa Bank cert 11771 | $48.0M | 0.16% | 1 | 0.77% |
| 30 | Home State Bank cert 14867 | $44.1M | 0.15% | 1 | 0.77% |
| 31 | Raccoon Valley Bank cert 245 | $41.6M | 0.14% | 1 | 0.77% |
| 32 | Earlham Savings Bank cert 5796 | $37.7M | 0.13% | 2 | 1.54% |
| 33 | Freedom Financial Bank cert 35031 | $37.3M | 0.13% | 1 | 0.77% |
| 34 | UMB Bank, National Association cert 8273 | $24.9M | 0.08% | 1 | 0.77% |
| 35 | Fidelity Bank cert 5753 | $24.8M | 0.08% | 1 | 0.77% |
| 36 | Liberty National Bank cert 57505 | $19.9M | 0.07% | 1 | 0.77% |
| 37 | TruBank cert 25267 | $19.3M | 0.06% | 1 | 0.77% |
| 38 | Twin Cedars Bank cert 1556 | $18.5M | 0.06% | 1 | 0.77% |
| 39 | Keystone Savings Bank cert 17993 | $16.1M | 0.05% | 1 | 0.77% |
| 40 | MidWestOne Bank cert 14843 | $5.8M | 0.02% | 1 | 0.77% |
| 41 | ITS Bank cert 34619 | $500K | 0.00% | 1 | 0.77% |
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.