Clinton County, Iowa, a core county of the Davenport-Moline, IA-IL market, holds $1.3B in deposits across 7 insured institutions and 19 branches. First Central State Bank is the largest deposit holder at 24.3% share. The top three institutions hold 64.0% of deposits, which places the county in the concentrated band. Deposits have grown 12.6% since 2020 while the branch count fell by 3. It produces $2.3B of output, ranking #879 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 22 in 2020 to 19 in 2025. Institutions: 7 to 7. Top-three share: 64.2% to 64.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Central State Bank | $323M | 24.3% | +14% |
| Citizens First Bank | $264M | 19.9% | +30% |
| The Clinton National Bank | $262M | 19.8% | -3% |
| First Trust and Savings Bank | $186M | 14.1% | +25% |
| DeWitt Bank & Trust Co. | $186M | 14.0% | +17% |
| U.S. Bank National Association | $70M | 5.2% | -1% |
| Sterling Federal Bank, F.S.B. | $36M | 2.7% | -16% |
The 7 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 competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Davenport-Moline market
Clinton County is one of 6 counties that make up the Davenport-Moline, IA-IL market, a Combined Statistical Area (ranked #105 of 293 U.S. markets by economic output). It produces 8.4% of the market’s output and holds 10.3% of its deposits.
| Measure | Clinton County | Share of Davenport-Moline market |
|---|---|---|
| 2024 GDP | $2.3B | 8.4% |
| Deposits | $1.3B | 10.3% |
| Population | 46,002 | 9.8% |
View the full Davenport-Moline market profile →
Recruiting in Clinton County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Clinton County, on a retained basis.
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