Boone County, Missouri, a core county of the Columbia-Jefferson City-Moberly, MO market, holds $5.6B in deposits across 22 insured institutions and 69 branches. The Central Trust Bank is the largest deposit holder at 38.7% share. The top three banks hold 62% of deposits, which places the county in the Concentrated band. Deposits have grown 13.0% since 2020 while the branch count fell by 6.8%. It produces $10.9B of output, ranking #337 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 74 in 2020 to 69 in 2025. Institutions: 31 to 22. Top-three share: 66% to 62%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Central Trust Bank | $2.2B | 38.7% | +7,441% |
| Commerce Bank | $745M | 13.3% | +8% |
| Simmons Bank | $567M | 10.1% | -34% |
| Bank of America | $428M | 7.6% | +1% |
| U.S. Bank | $283M | 5.1% | +32% |
| First State Community Bank | $255M | 4.5% | +130% |
| The Bank of Missouri | $213M | 3.8% | +6% |
| The Callaway Bank | $144M | 2.6% | +12% |
| First Mid Bank & Trust | $136M | 2.4% | no 2020 presence |
| First Midwest Bank of the Ozarks | $135M | 2.4% | +28% |
| UMB Bank | $131M | 2.3% | +115% |
| Hawthorn Bank | $121M | 2.2% | +24% |
| Regions Bank | $82M | 1.5% | -6% |
| HomeBank | $40M | 0.7% | +227% |
| Mid America Bank | $29M | 0.5% | no 2020 presence |
| Connections Bank | $28M | 0.5% | no 2020 presence |
| Exchange Bank of Missouri | $24M | 0.4% | no 2020 presence |
| Academy Bank | $19M | 0.3% | +37% |
| Commercial Trust Company of Fayette | $18M | 0.3% | +50% |
| BTC Bank | $18M | 0.3% | no 2020 presence |
| Great Southern Bank | $17M | 0.3% | +43% |
| The Missouri Bank | $8M | 0.1% | +39% |
The 22 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county 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 county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the Columbia-Jefferson City-Moberly market
Boone County is one of 9 counties that make up the Columbia-Jefferson City-Moberly, MO market, a Combined Statistical Area (ranked #121 of 293 U.S. markets by economic output). It produces 48.3% of the market’s output and holds 40.0% of its deposits.
| Measure | Boone County | Share of parent market |
|---|---|---|
| 2024 GDP | $10.9B | 48.3% |
| Deposits | $5.6B | 40.0% |
| Population | 191,746 | 45.6% |
View the full Columbia-Jefferson City-Moberly market profile →
Recruiting in Boone County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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 Boone County.
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