County banking markets / KS / 20191
SumnerKansas
FIPS 20191. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 105 counties in Kansas’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 (1,122) and unconcentrated on deposits (1,367).
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
15 branch offices and 14 institutions in 1994; 14 and 10 in 2025. Deposits booked in the county went from $291.6M to $640.0M, 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 | Impact Bank cert 17399 | $139.7M | 21.83% | 2 | 14.29% |
| 2 | Carson Bank cert 17369 | $123.4M | 19.28% | 1 | 7.14% |
| 3 | The Valley State Bank cert 15038 | $81.3M | 12.70% | 1 | 7.14% |
| 4 | The Stock Exchange Bank, Caldwell, Kansas cert 15784 | $61.9M | 9.68% | 1 | 7.14% |
| 5 | Bank of Commerce and Trust Company cert 4796 | $58.8M | 9.19% | 2 | 14.29% |
| 6 | Conway Bank cert 4649 | $51.8M | 8.09% | 2 | 14.29% |
| 7 | The Security State Bank cert 12422 | $44.3M | 6.92% | 1 | 7.14% |
| 8 | Vintage Bank Kansas cert 17927 | $40.1M | 6.27% | 1 | 7.14% |
| 9 | RCB Bank cert 15399 | $32.8M | 5.12% | 2 | 14.29% |
| 10 | Bank of Commerce cert 26217 | $5.9M | 0.92% | 1 | 7.14% |
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 Kansas, or read the methodology for the two HHI constructions and what they cannot tell you.