Grand Island, NE holds $3.5 billion in deposits across 22 insured institutions and 46 branches, ranking #274 of 293 U.S. markets by economic output. Five Points Bank is the largest deposit holder at 28.1% share. The top three institutions hold 49.1% of deposits, which places the market in the moderate band. Deposits have grown 26% since 2020 while the branch count fell by 2.
Deposit trend
Branches: 48 in 2020 to 46 in 2025. Institutions: 21 to 22. Top-three share: 49.6% to 49.1%. Deposits per branch: $76M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Five Points Bank | 1.0B | 28.1% | +17% |
| Exchange Bank | 0.4B | 11.7% | +78% |
| Home Federal Savings and Loan Association of Grand Island | 0.3B | 9.3% | +36% |
| Pinnacle Bank | 0.3B | 7.2% | +91% |
| Wells Fargo Bank | 0.2B | 5.9% | -30% |
| Equitable Bank | 0.2B | 5.8% | +19% |
| Pathway Bank | 0.2B | 5.1% | +54% |
| Citizens Bank & Trust Company | 0.1B | 4.0% | +18% |
| First National Bank of Omaha | 0.1B | 4.0% | +29% |
| Cornerstone Bank | 0.1B | 3.1% | +37% |
The 10 largest of 22 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Hall County | Nebraska | $4,029M | 63,633 | 86.6% |
| Merrick County | Nebraska | $411M | 7,905 | 8.8% |
| Howard County | Nebraska | $215M | 6,538 | 4.6% |
Recruiting in Grand Island
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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