Market Intelligence

Saunders County, NE

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

Saunders County, Nebraska, a county in the Omaha-Fremont, NE-IA market, holds $913M in deposits across 14 insured institutions and 20 branches. FirstBank of Nebraska is the largest deposit holder at 21.6% share. The top three institutions hold 44.7% of deposits, which places the county in the fragmented band. Deposits have grown 36.4% since 2020. It produces $814M of output, ranking #1,253 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$814M
#1,253 of 1,523
Total Deposits
$913M
#984 of 1,523
Population
23,702
#1,241 of 1,523
GDP per Capita
$34,349
#1,086 of 1,523
Insured Institutions
14
#434 of 1,523
Deposits per Branch
$46M
#1,422 of 1,523
Deposits per Capita
$38,538
#203 of 1,523
Branches per 100k Pop.
84.4
#10 of 1,523
Median Institution Size
$40M
Median deposits of the institutions operating in the county. #1,466 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
81.1%
of market deposits held by banks with $100M to $50B in assets. #486 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: fragmented
44.7%
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+36.4% over 5 years
$670M
2020
$748M
2021
$846M
2022
$877M
2023
$888M
2024
$913M
2025

Branches: 20 in 2020 to 20 in 2025. Institutions: 14 to 14. Top-three share: 40.0% to 44.7%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
FirstBank of Nebraska$198M21.6%1+98%
Farmers and Merchants Bank of Ashland$115M12.6%4+46%
Union Bank and Trust Company$96M10.5%1+32%
Wahoo State Bank$92M10.1%2+3%
JONES BANK$86M9.4%1+31%
CerescoBank$63M6.9%1+38%
First Northeast Bank of Nebraska$41M4.5%1+87%
Community State Bank$38M4.2%2+13%
Bank of Prague$38M4.2%1+40%
First State Bank Nebraska$37M4.0%1+21%

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 Omaha-Fremont market

Saunders County is one of 9 counties that make up the Omaha-Fremont, NE-IA market, a Combined Statistical Area (ranked #49 of 293 U.S. markets by economic output). It produces 1.0% of the market’s output and holds 2.1% of its deposits.

MeasureSaunders CountyShare of Omaha-Fremont market
2024 GDP$814M1.0%
Deposits$913M2.1%
Population23,7022.3%

View the full Omaha-Fremont market profile →

Recruiting in Saunders County

Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Saunders County, on a retained basis.

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