County banking markets / SD / 46083
LincolnSouth Dakota
FIPS 46083. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 64 counties in South Dakota’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 (489) and highly concentrated on deposits (9,650).
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
10 branch offices and 6 institutions in 1994; 37 and 26 in 2025. Deposits booked in the county went from $119.2M to $531.69B, 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 | Citibank, National Association cert 7213 | $522.25B | 98.23% | 2 | 5.41% |
| 2 | Pathward, National Association cert 30776 | $6.01B | 1.13% | 1 | 2.70% |
| 3 | Sunrise Banks, National Association cert 18561 | $1.54B | 0.29% | 2 | 5.41% |
| 4 | Wells Fargo Bank, National Association cert 3511 | $237.7M | 0.04% | 2 | 5.41% |
| 5 | The First National Bank in Sioux Falls cert 4016 | $227.0M | 0.04% | 4 | 10.81% |
| 6 | Central Bank cert 15555 | $160.6M | 0.03% | 2 | 5.41% |
| 7 | American Bank & Trust cert 1117 | $132.9M | 0.03% | 3 | 8.11% |
| 8 | First Dakota National Bank cert 4028 | $114.5M | 0.02% | 1 | 2.70% |
| 9 | First Bank & Trust cert 3973 | $114.4M | 0.02% | 1 | 2.70% |
| 10 | Reliabank Dakota cert 16221 | $99.0M | 0.02% | 2 | 5.41% |
| 11 | Minnwest Bank cert 16958 | $98.2M | 0.02% | 1 | 2.70% |
| 12 | First Interstate Bank cert 1105 | $92.7M | 0.02% | 2 | 5.41% |
| 13 | U.S. Bank National Association cert 6548 | $80.2M | 0.02% | 1 | 2.70% |
| 14 | First PREMIER Bank cert 6085 | $70.7M | 0.01% | 1 | 2.70% |
| 15 | Farmers State Bank of Canton cert 11133 | $65.9M | 0.01% | 1 | 2.70% |
| 16 | Security National Bank of South Dakota cert 34394 | $65.4M | 0.01% | 1 | 2.70% |
| 17 | Security Savings Bank cert 15734 | $61.8M | 0.01% | 1 | 2.70% |
| 18 | American State Bank cert 228 | $55.6M | 0.01% | 1 | 2.70% |
| 19 | Quoin Financial Bank cert 15629 | $54.6M | 0.01% | 1 | 2.70% |
| 20 | Cornerstone Bank cert 13198 | $40.0M | 0.01% | 1 | 2.70% |
| 21 | Premier Bank cert 34384 | $27.1M | 0.01% | 1 | 2.70% |
| 22 | Dacotah Bank cert 17437 | $26.9M | 0.01% | 1 | 2.70% |
| 23 | First Savings Bank cert 32629 | $23.4M | 0.00% | 1 | 2.70% |
| 24 | JPMorgan Chase Bank, National Association cert 628 | $15.2M | 0.00% | 1 | 2.70% |
| 25 | Security Bank Midwest cert 485 | $13.8M | 0.00% | 1 | 2.70% |
| 26 | CorTrust Bank National Association cert 6063 | $9.2M | 0.00% | 1 | 2.70% |
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 South Dakota, or read the methodology for the two HHI constructions and what they cannot tell you.