Market Intelligence › Lincoln-Beatrice, NE

Lincoln-Beatrice, NE, a Combined Statistical Area, holds $16.3 billion in deposits across 35 insured institutions and 143 branches, ranking #113 of 293 U.S. markets by economic output. Union Bank and Trust Company is the largest deposit holder at 36.1% share. The top three institutions hold 52.7% of deposits, which places the market in the moderate band. Deposits have grown 33.2% since 2020 while the branch count fell by 11.2%.

Economic scale

2024 Real GDP

$24.8B

#113 of 293

Population

374K

#136 of 293

GDP per Capita

$66,400

#51 of 293

Deposit market

Total Deposits

$16.3B

#89 of 293

Deposits per Capita

$43,607

#34 of 293

Deposits per Branch

$114M

#123 of 293

Competitive structure

Insured Institutions

#74 of 293

Branches per 100k Pop.

38.3

#27 of 293

Median Deposits per Institution

$153M

The median deposits booked by a single institution in the market. #212 of 293. 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

85.3%

of market deposits held by banks with $100M to $50B in assets. #32 of 293. 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: moderate

52.7%

The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

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

Total market deposits (nominal), 2020 to 2025 +33.2% over 5 years

$12.2B

2020

$13.3B

2021

$14.0B

2022

$14.4B

2023

$15.4B

2024

$16.3B

2025

Branches: 161 in 2020 to 143 in 2025. Institutions: 34 to 35. Top-three share: 47.8% to 52.7%. Deposits per branch: $114M.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr
Union Bank and Trust Company	$5.9B	36.1%	20	+74%
Pinnacle Bank	$1.4B	8.4%	14	+36%
Wells Fargo Bank	$1.3B	8.1%	7	-5%
West Gate Bank	$1.0B	6.1%	6	+29%
Cornhusker Bank	$0.8B	5.0%	9	+28%
U.S. Bank	$0.8B	4.9%	7	-25%
Security First Bank	$0.6B	3.9%	9	+62%
Farmers and Merchants Bank	$0.6B	3.7%	4	+30%
First State Bank Nebraska	$0.6B	3.6%	7	+74%
First National Bank of Omaha	$0.5B	3.2%	5	+5%
Cattle Bank and Trust	$349M	2.1%	4	+36%
First Interstate Bank	$306M	1.9%	8	-14%
Jones Bank	$276M	1.7%	2	+24%
Horizon Bank	$241M	1.5%	2	-4%
Frontier Bank	$228M	1.4%	2	+22%
Exchange Bank	$199M	1.2%	1	+55%
Nebraska Bank of Commerce	$181M	1.1%	2	+44%
City Bank & Trust Co.	$153M	0.9%	4	+44%
Lincoln FSB of Nebraska	$128M	0.8%	5	+61%
Midwest Bank	$121M	0.7%	2	+9%
BMO Bank	$120M	0.7%	4	-16%
Five Points Bank	$94M	0.6%	2	+289%
JPMorgan Chase Bank	$53M	0.3%	2	+278%
Adams State Bank	$53M	0.3%	1	+22%
American National Bank	$48M	0.3%	1	-8%
First Bank of Utica	$47M	0.3%	2	-4%
Western National Bank	$38M	0.2%	2	no 2020 presence
Nebraska Bank	$32M	0.2%	1	+6,508%
Heartland Bank	$31M	0.2%	1	no 2020 presence
First Nebraska Bank	$18M	0.1%	2	-5%
State Bank of Table Rock	$17M	0.1%	1	+47%
I3 Bank	$10M	0.1%	1	+1,392%
Home Federal Savings and Loan Association of Grand Island	$4M	0.0%	1	no 2020 presence
Riverstone Bank	$2M	0.0%	1	no 2020 presence
Davidson Trust Co.	$0M	0.0%	1	no 2020 presence

The 35 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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. “No 2020 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	Share of Market Deposits
Lancaster County	Nebraska	$22.8B	334,049	91.7%	87.1%
Gage County	Nebraska	$1.2B	21,711	4.9%	5.3%
Seward County	Nebraska	$842M	18,032	3.4%	7.6%

Recruiting in the Lincoln-Beatrice 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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Deposit trend

Institutions by deposits

Counties in this market

Recruiting in the Lincoln-Beatrice market

Other markets in Nebraska