The bank's primary market area consists of Muscatine County, Iowa, Washington County, Iowa, Johnson County, Iowa, western Scott County, Iowa, and western Rock Island County, Illinois.
Over the years, the bank has consistently been one of the largest financial institutions in its home market of Muscatine County, Iowa. Local deposit market share has traditionally been in the high 20% to low 30% range, with slight variations from year to year [REF].