Market Intelligence

Muscatine County, IA

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

Muscatine County, Iowa, a core county of the Davenport-Moline, IA-IL market, holds $1.2B in deposits across 7 insured institutions and 15 branches. CBI Bank & Trust is the largest deposit holder at 33.5% share. The top three institutions hold 83.7% of deposits, which places the county in the concentrated band. Deposits have grown 22.8% since 2020. It produces $2.6B of output, ranking #831 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$2.6B
#831 of 1,523
Total Deposits
$1.2B
#850 of 1,523
Population
41,853
#1,013 of 1,523
GDP per Capita
$61,593
#320 of 1,523
Insured Institutions
7
#988 of 1,523
Deposits per Branch
$80M
#892 of 1,523
Deposits per Capita
$28,791
#437 of 1,523
Branches per 100k Pop.
35.8
#302 of 1,523
Median Institution Size
$76M
Median deposits of the institutions operating in the county. #1,128 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
93.7%
of market deposits held by banks with $100M to $50B in assets. #267 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: concentrated
83.7%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 2020 to 2025+22.8% over 5 years
$981M
2020
$1.1B
2021
$1.2B
2022
$1.1B
2023
$1.1B
2024
$1.2B
2025

Branches: 15 in 2020 to 15 in 2025. Institutions: 8 to 7. Top-three share: 80.1% to 83.7%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
CBI Bank & Trust$404M33.5%4+31%
MidWestOne Bank$403M33.5%4+595%
Community Bank and Trust Company$201M16.7%3+13%
U.S. Bank National Association$76M6.3%1+107%
South Ottumwa Savings Bank$71M5.9%1-3%
DeWitt Bank & Trust Co.$42M3.5%1+106%
Farmers and Merchants Savings Bank$8M0.7%1+18%

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 organic 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

Muscatine 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 9.4% of the market’s output and holds 9.3% of its deposits.

MeasureMuscatine CountyShare of Davenport-Moline market
2024 GDP$2.6B9.4%
Deposits$1.2B9.3%
Population41,8538.9%

View the full Davenport-Moline market profile →

Recruiting in Muscatine 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 Muscatine County, on a retained basis.

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