County banking markets / IA / 19163
ScottIowa
FIPS 19163. 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 (771) and moderately concentrated on deposits (2,105).
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
42 branch offices and 17 institutions in 1994; 49 and 17 in 2025. Deposits booked in the county went from $1.76B to $5.07B, 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 | Quad City Bank and Trust Company cert 33867 | $2.06B | 40.62% | 4 | 8.16% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $780.1M | 15.37% | 4 | 8.16% |
| 3 | U.S. Bank National Association cert 6548 | $533.1M | 10.51% | 5 | 10.20% |
| 4 | First Central State Bank cert 19716 | $247.6M | 4.88% | 2 | 4.08% |
| 5 | CBI Bank & Trust cert 1552 | $194.8M | 3.84% | 6 | 12.24% |
| 6 | Blue Grass Savings Bank cert 13753 | $187.9M | 3.70% | 2 | 4.08% |
| 7 | Blackhawk Bank & Trust cert 18402 | $181.0M | 3.57% | 4 | 8.16% |
| 8 | TBK BANK, SSB cert 23498 | $169.7M | 3.34% | 3 | 6.12% |
| 9 | Time Bank cert 34038 | $152.6M | 3.01% | 3 | 6.12% |
| 10 | American Bank and Trust Company, National Association cert 34955 | $151.0M | 2.97% | 1 | 2.04% |
| 11 | Great Southern Bank cert 29546 | $110.6M | 2.18% | 5 | 10.20% |
| 12 | Old National Bank cert 3832 | $104.8M | 2.07% | 2 | 4.08% |
| 13 | Fortress Bank cert 9632 | $90.2M | 1.78% | 1 | 2.04% |
| 14 | First Trust and Savings Bank cert 8752 | $50.1M | 0.99% | 4 | 8.16% |
| 15 | BankOrion cert 11739 | $23.4M | 0.46% | 1 | 2.04% |
| 16 | Liberty Trust & Savings Bank cert 10121 | $23.1M | 0.46% | 1 | 2.04% |
| 17 | First National Bank cert 25894 | $12.9M | 0.25% | 1 | 2.04% |
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.