Dubuque County, Iowa, a core county of the Dubuque, IA market, holds $3.4B in deposits across 9 insured institutions and 32 branches. UMB Bank, National Association is the largest deposit holder at 30.5% share. The top three institutions hold 72.1% of deposits, which places the county in the concentrated band. Deposits have grown 2.1% since 2020 while the branch count fell by 5. It produces $6.9B of output, ranking #475 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 37 in 2020 to 32 in 2025. Institutions: 8 to 9. Top-three share: 81.2% to 72.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| UMB Bank, National Association | $1.0B | 30.5% | no 2020 presence |
| MidWestOne Bank | $854M | 24.9% | +7% |
| Fidelity Bank & Trust | $570M | 16.6% | +34% |
| Capra Bank | $323M | 9.4% | no 2020 presence |
| Premier Bank | $293M | 8.6% | 0% |
| U.S. Bank National Association | $204M | 6.0% | -6% |
| Ohnward Bank & Trust | $72M | 2.1% | +1% |
| Citizens State Bank | $39M | 1.1% | +12% |
| Community Savings Bank | $25M | 0.7% | +81% |
The 9 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 Dubuque market
Dubuque County is the only county in the Dubuque, IA market, a Metropolitan Statistical Area (ranked #245 of 293 U.S. markets by economic output). It produces 100.0% of the market’s output and holds 100.0% of its deposits.
| Measure | Dubuque County | Share of Dubuque market |
|---|---|---|
| 2024 GDP | $6.9B | 100.0% |
| Deposits | $3.4B | 100.0% |
| Population | 99,381 | 100.0% |
See the Dubuque market in Market Intelligence →
Recruiting in Dubuque 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 Dubuque County, on a retained basis.
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