Market Intelligence

Pottawatomie County, KS

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Manhattan, KS › Pottawatomie County

Pottawatomie County, Kansas, a county in the Manhattan, KS market, holds $979M in deposits across 9 insured institutions and 14 branches. Bank of the Flint Hills is the largest deposit holder at 27.8% share. The top three banks hold 74% of deposits, which places the county in the Concentrated band. Deposits have grown 31.1% since 2021 while the branch count fell by 6.7%. It produced $1.2B of real gross domestic product in 2024, ranking #1,147 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$1.2B
#1,147 of 1,523
Population
27,186
#1,196 of 1,523
GDP per Capita
$43,262
#784 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$979M
#955 of 1,523
Deposits per Capita
$35,999
#254 of 1,523
Deposits per Branch
$70M
#1,119 of 1,523
Competitive structure
Insured Institutions
9
#806 of 1,523
Branches per 100k Pop.
51.5
#96 of 1,523
Median Deposits per Institution
$61M
The median deposits booked by a single institution in the county. #1,325 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
97.0%
of county deposits held by banks with $100M to $100B in assets. #259 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 Banks’ Deposit Share: Concentrated
74%
The combined deposit share of the top three banks by deposits 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

County Deposits (SOD, 2021 to 2026)+31.1% over 5 years
$747M
2021
$768M
2022
$773M
2023
$857M
2024
$929M
2025
$979M
2026

Branches: 15 in 2021 to 14 in 2026. Institutions: 10 to 9. Top-three share: 80% to 74%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Bank of the Flint Hills$272M27.8%3+26%
The Farmers State Bank of Westmoreland$226M23.1%3+16%
Kaw Valley State Bank and Trust Company$223M22.8%2+21%
Outdoor Bank$71M7.3%1+945%
The Bennington State Bank$61M6.2%1+25%
KS StateBank$48M4.9%1+88%
ESB Financial$34M3.5%1+1%
Union State Bank$29M3.0%1+15%
Landmark National Bank$14M1.4%1+11%

The 9 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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. “No 2021 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 Manhattan market

Pottawatomie County is one of 3 counties that make up the Manhattan, KS market, a Metropolitan Statistical Area (ranked #243 of 293 U.S. markets by economic output). It produces 16.7% of the market’s output and holds 21.6% of its deposits.

MeasurePottawatomie CountyShare of parent market
2024 GDP$1.2B16.7%
Deposits$979M21.6%
Population27,18620.0%

View the full Manhattan market profile →

Recruiting in Pottawatomie 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 Pottawatomie County.

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