Market Intelligence

Cass County, NE

Banking market profile · FDIC Summary of Deposits, June 30, 2025

Cass County, Nebraska, a county in the Omaha-Fremont, NE-IA market, holds $597M in deposits across 10 insured institutions and 17 branches. Pinnacle Bank is the largest deposit holder at 18.0% share. The top three institutions hold 48.9% of deposits, which places the county in the moderately concentrated band. Deposits have grown 26.4% since 2020 while the branch count rose by 2. It produces $836M of output, ranking #1,243 of the 1,523 counties within a CSA or MSA by economic output.

Economic scale
2024 Real GDP
$836M
#1,243 of 1,523
Population
27,657
#1,189 of 1,523
GDP per Capita
$30,229
#1,218 of 1,523
Deposit market
Total Deposits
$597M
#1,153 of 1,523
Deposits per Capita
$21,571
#794 of 1,523
Deposits per Branch
$35M
#1,493 of 1,523
Competitive structure
Insured Institutions
10
#654 of 1,523
Branches per 100k Pop.
61.5
#50 of 1,523
Median Deposits per Institution
$62M
The median deposits booked by a single institution in the county. #1,292 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
85.1%
of county deposits held by banks with $100M to $50B in assets. #414 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: moderately concentrated
48.9%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total county deposits (nominal), 2020 to 2025+26.4% over 5 years
$472M
2020
$518M
2021
$611M
2022
$569M
2023
$574M
2024
$597M
2025

Branches: 15 in 2020 to 17 in 2025. Institutions: 11 to 10. Top-three share: 49.8% to 48.9%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
Pinnacle Bank$108M18.0%1+29%
First State Bank Nebraska$103M17.3%3+758%
Riverstone Bank$81M13.5%2no 2020 presence
Citizens State Bank$77M12.8%3+17%
Cornerstone Bank$69M11.6%2+27%
American Exchange Bank$56M9.4%2+20%
Farmers and Merchants Bank$37M6.2%1+40%
Corn Growers State Bank$33M5.5%1+32%
First Nebraska Bank$27M4.5%1+5%
Western National Bank$7M1.2%1no 2020 presence

The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the Omaha-Fremont market

Cass County is one of 9 counties that make up the Omaha-Fremont, NE-IA market, a Combined Statistical Area (ranked #49 of 293 U.S. markets by economic output). It produces 1.0% of the market’s output and holds 1.4% of its deposits.

MeasureCass CountyShare of parent market
2024 GDP$836M1.0%
Deposits$597M1.4%
Population27,6572.6%

View the full Omaha-Fremont market profile →

Recruiting in Cass County

Deposits are split among a moderate number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Cass County, on a retained basis.

Start a confidential conversation