County banking markets / NE / 31155
SaundersNebraska
FIPS 31155. 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 (950) and unconcentrated on deposits (1,082).
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
16 branch offices and 14 institutions in 1994; 20 and 14 in 2025. Deposits booked in the county went from $225.6M to $913.4M, 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 | FirstBank of Nebraska cert 5486 | $197.5M | 21.62% | 1 | 5.00% |
| 2 | Farmers and Merchants Bank of Ashland cert 5377 | $115.0M | 12.59% | 4 | 20.00% |
| 3 | Union Bank and Trust Company cert 13421 | $95.7M | 10.47% | 1 | 5.00% |
| 4 | Wahoo State Bank cert 1163 | $92.1M | 10.08% | 2 | 10.00% |
| 5 | JONES BANK cert 5473 | $85.9M | 9.40% | 1 | 5.00% |
| 6 | CerescoBank cert 1993 | $63.0M | 6.90% | 1 | 5.00% |
| 7 | First Northeast Bank of Nebraska cert 5432 | $41.4M | 4.53% | 1 | 5.00% |
| 8 | Community State Bank cert 8323 | $38.4M | 4.20% | 2 | 10.00% |
| 9 | Bank of Prague cert 12745 | $38.0M | 4.16% | 1 | 5.00% |
| 10 | First State Bank Nebraska cert 13868 | $37.0M | 4.05% | 1 | 5.00% |
| 11 | Bank of Mead cert 13611 | $33.2M | 3.64% | 2 | 10.00% |
| 12 | I3 Bank cert 8595 | $29.4M | 3.22% | 1 | 5.00% |
| 13 | Cornerstone Bank cert 5496 | $26.0M | 2.85% | 1 | 5.00% |
| 14 | First Interstate Bank cert 1105 | $20.9M | 2.29% | 1 | 5.00% |
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.