Four banks with operations in Greater Des Moines hold 53 percent of the $16 billion that individuals and businesses had on deposit at the end of the second quarter, according to the Federal Deposit Insurance Corp. Wells Fargo & Co. is holding $3 billion for a market share of 19.5 percent. Greater Des Moines icon Bankers Trust Co. holds down the second spot on the list, with $2.2 billion in deposits for a market share of 13.8 percent. Virtual thrift Principal Bank reported nearly $2 billion in deposits and a market share of 12.4 percent. West Bank wrapped up the top four, with deposits of $1.2 billion and a market share of 7.2 percent. According to the FDIC, 50 banks and savings and loans have 222 branches in Greater Des Moines.