County banking markets / NE / 31109
LancasterNebraska
FIPS 31109. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 91 counties in Nebraska’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 (667) and moderately concentrated on deposits (1,983).
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
86 branch offices and 21 institutions in 1994; 116 and 31 in 2025. Deposits booked in the county went from $2.69B to $14.16B, 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 | Union Bank and Trust Company cert 13421 | $5.78B | 40.82% | 19 | 16.38% |
| 2 | Wells Fargo Bank, National Association cert 3511 | $1.32B | 9.34% | 7 | 6.03% |
| 3 | Pinnacle Bank cert 10634 | $1.22B | 8.61% | 12 | 10.34% |
| 4 | West Gate Bank cert 19850 | $991.8M | 7.01% | 6 | 5.17% |
| 5 | Cornhusker Bank cert 14264 | $812.3M | 5.74% | 9 | 7.76% |
| 6 | U.S. Bank National Association cert 6548 | $796.4M | 5.63% | 7 | 6.03% |
| 7 | First State Bank Nebraska cert 13868 | $444.5M | 3.14% | 4 | 3.45% |
| 8 | First National Bank of Omaha cert 5452 | $405.4M | 2.86% | 3 | 2.59% |
| 9 | Security First Bank cert 5415 | $335.9M | 2.37% | 3 | 2.59% |
| 10 | First Interstate Bank cert 1105 | $283.9M | 2.01% | 7 | 6.03% |
| 11 | Horizon Bank cert 14327 | $241.3M | 1.70% | 2 | 1.72% |
| 12 | Frontier Bank cert 15545 | $228.4M | 1.61% | 2 | 1.72% |
| 13 | Exchange Bank cert 1435 | $199.4M | 1.41% | 1 | 0.86% |
| 14 | Nebraska Bank of Commerce cert 58724 | $181.1M | 1.28% | 2 | 1.72% |
| 15 | City Bank & Trust Co. cert 5396 | $153.1M | 1.08% | 4 | 3.45% |
| 16 | Lincoln FSB of Nebraska cert 29692 | $127.9M | 0.90% | 5 | 4.31% |
| 17 | Midwest Bank cert 13255 | $121.0M | 0.85% | 2 | 1.72% |
| 18 | Cattle Bank and Trust cert 5472 | $115.0M | 0.81% | 2 | 1.72% |
| 19 | BMO Bank National Association cert 16571 | $99.7M | 0.70% | 3 | 2.59% |
| 20 | Five Points Bank cert 20488 | $94.0M | 0.66% | 2 | 1.72% |
| 21 | JPMorgan Chase Bank, National Association cert 628 | $53.1M | 0.38% | 2 | 1.72% |
| 22 | American National Bank cert 19300 | $48.3M | 0.34% | 1 | 0.86% |
| 23 | Nebraska Bank cert 16116 | $31.7M | 0.22% | 1 | 0.86% |
| 24 | First Nebraska Bank cert 12248 | $18.0M | 0.13% | 2 | 1.72% |
| 25 | State Bank of Table Rock cert 9822 | $16.6M | 0.12% | 1 | 0.86% |
| 26 | Farmers and Merchants Bank cert 16810 | $12.6M | 0.09% | 2 | 1.72% |
| 27 | I3 Bank cert 8595 | $10.5M | 0.07% | 1 | 0.86% |
| 28 | Western National Bank cert 4778 | $7.1M | 0.05% | 1 | 0.86% |
| 29 | Home Federal Savings and Loan Association of Grand Island cert 29476 | $4.4M | 0.03% | 1 | 0.86% |
| 30 | Riverstone Bank cert 10641 | $2.2M | 0.02% | 1 | 0.86% |
| 31 | Davidson Trust Co. cert 35510 | $0K | 0.00% | 1 | 0.86% |
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 Nebraska, or read the methodology for the two HHI constructions and what they cannot tell you.