> Do any of the Kreise (roughly analogous to the county governments of the US) or the Gemeinden (municipal governments) of Germany operate a bank Yes. In every

> Do any of the Kreise (roughly analogous to the county governments of the US) or the Gemeinden (municipal governments) of Germany operate a bank Yes. In every place[1] either one or the other owns a public bank (although through mergers nowadays often two or three share one through a Zweckverband). See this list: https://de.wikipedia.org/wiki/Liste_der_Sparkassen_in_Deutschland https://de.wikipedia.org/wiki/Liste_der_Sparkassen_in_Deutsc... [1]: Except Bremen, Hamburg, and some places in Schleswig-Holstein in which another kind of public bank exists.