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Bankular
Local banking directory

Banks and Bank Branches in Waterloo, Iowa

The FDIC reported 16 deposit-reporting offices from 10 institutions in Waterloo as of June 30, 2025. Bankular currently provides 31 detailed location pages with addresses, maps and directions.

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FDIC-reported offices16
Institutions reporting10
Detailed location pages31
Reported branch deposits$1.63B
SOD reporting dateJune 30, 2025

Reported-office totals come from the annual FDIC Summary of Deposits survey. Maps and branch-detail links appear only for locations with a validated Bankular location page.

Market analysis

What the deposit data shows

FDIC SOD, June 30, 2025
Largest institutionFarmers State Bank44.15% of deposits
Top three share68.00%
Deposit HHI2,448Moderate concentration
Current detailed pages3115 more than the June 2025 SOD count

Farmers State Bank held 44.15% of reported branch deposits in Waterloo. The three largest institutions together held 68.00%. Bankular places the resulting HHI of 2,448 in its moderate concentration descriptive band.

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Detailed bank locations in Waterloo

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Detailed directory

Institutions with validated location pages

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Location pages

Detailed bank locations in Waterloo

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Heartland Bank and Trust Company

1 detailed location

Waterloo Firemen's Credit Union

1 detailed location

Local deposit market

Reported offices, deposits and market share

FDIC SOD, June 30, 2025
InstitutionReported officesDepositsShare
Farmers State Bank2$721.3M44.15%
U.S. Bank3$218.0M13.35%
Cedar Rapids Bank and Trust Company2$171.6M10.50%
BankIowa2$132.3M8.10%
Regions Bank2$131.3M8.04%
Wells Fargo Bank1$115.7M7.08%
Lincoln Savings Bank1$81.0M4.96%
Heartland Bank and Trust Company1$29.1M1.78%
First Interstate Bank1$18.1M1.11%
MidWestOne Bank1$15.2M0.93%