Johnson County, Iowa, a core county of the Cedar Rapids-Iowa City, IA market, holds $4.9B in deposits across 17 insured institutions and 40 branches. Hills Bank and Trust Company is the largest deposit holder at 46.3% share. The top three institutions hold 77.1% of deposits, which places the county in the concentrated band. Deposits have grown 18.4% since 2020. It produces $9.9B of output, ranking #365 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 40 in 2020 to 40 in 2025. Institutions: 15 to 17. Top-three share: 76.8% to 77.1%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Hills Bank and Trust Company | $2.3B | 46.3% | +10% |
| MidWestOne Bank | $1.1B | 23.5% | +37% |
| U.S. Bank National Association | $359M | 7.3% | +28% |
| West Bank | $348M | 7.1% | +65% |
| Wells Fargo Bank, National Association | $221M | 4.5% | +7% |
| Central State Bank | $151M | 3.1% | +9% |
| Solon State Bank | $69M | 1.4% | +7% |
| Farmers and Merchants Savings Bank | $62M | 1.3% | -9% |
| Two Rivers Bank & Trust | $47M | 0.9% | +6% |
| First Trust and Savings Bank | $46M | 0.9% | +3% |
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 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 Cedar Rapids-Iowa City market
Johnson County is one of 5 counties that make up the Cedar Rapids-Iowa City, IA market, a Combined Statistical Area (ranked #97 of 293 U.S. markets by economic output). It produces 32.6% of the market’s output and holds 34.9% of its deposits.
| Measure | Johnson County | Share of Cedar Rapids-Iowa City market |
|---|---|---|
| 2024 GDP | $9.9B | 32.6% |
| Deposits | $4.9B | 34.9% |
| Population | 160,044 | 34.6% |
View the full Cedar Rapids-Iowa City market profile →
Recruiting in Johnson 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 Johnson County, on a retained basis.
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