Grand Island, NE, a Metropolitan Statistical Area, holds $3.6 billion in deposits across 22 insured institutions and 45 branches, and ranks #274 of 293 U.S. markets by economic output. Five Points Bank is the largest deposit holder at 28.3% share. The top three banks hold 49% of deposits, which places the market in the Moderate band. Deposits have grown 14.2% since 2021 while the branch count fell by 2.2%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 46 in 2021 to 45 in 2026. Institutions: 21 to 22. Top-three share: 51% to 49%. Average deposits per branch: $80M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Five Points Bank | $1.0B | 28.3% | +3% |
| Exchange Bank | $394M | 10.9% | +53% |
| Home Federal Savings and Loan Association of Grand Island | $369M | 10.2% | +33% |
| Pinnacle Bank | $278M | 7.7% | +67% |
| Wells Fargo Bank | $218M | 6.1% | -35% |
| Equitable Bank | $198M | 5.5% | +5% |
| Pathway Bank | $172M | 4.8% | +37% |
| Citizens Bank & Trust Company | $147M | 4.1% | +6% |
| First National Bank of Omaha | $142M | 3.9% | +24% |
| Cornerstone Bank | $119M | 3.3% | +45% |
| Heritage Bank | $86M | 2.4% | -5% |
| Union Bank and Trust Company | $84M | 2.3% | +2% |
| Bruning Bank | $65M | 1.8% | no 2021 presence |
| U.S. Bank | $62M | 1.7% | +9% |
| MNB Bank | $55M | 1.5% | +11% |
| Bank of Clarks | $47M | 1.3% | +18% |
| First Interstate Bank | $46M | 1.3% | -30% |
| Homestead Bank | $37M | 1.0% | +15% |
| Western National Bank | $22M | 0.6% | +47% |
| Boelus State Bank | $21M | 0.6% | +23% |
| BMO Bank | $14M | 0.4% | -24% |
| Heartland Bank | $9M | 0.3% | +37% |
The 22 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Hall County | Nebraska | $4.0B | 63,633 | 86.6% | 87.2% |
| Merrick County | Nebraska | $411M | 7,905 | 8.8% | 8.0% |
| Howard County | Nebraska | $215M | 6,538 | 4.6% | 4.8% |
Recruiting in the Grand Island market
Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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 this one.
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