Market Intelligence

Caldwell County, MO

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Caldwell County, Missouri, a county in the Kansas City-Overland Park-Kansas City, MO-KS market, holds $226M in deposits across 3 insured institutions and 5 branches. Bank Northwest is the largest deposit holder at 49.5% share. The top three banks hold 100% of deposits, which places the county in the Concentrated band. Deposits have grown 16.8% since 2021. It produced $210M of real gross domestic product in 2024, ranking #1,483 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$210M
#1,483 of 1,523
Population
9,012
#1,456 of 1,523
GDP per Capita
$23,300
#1,406 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$226M
#1,399 of 1,523
Deposits per Capita
$25,071
#634 of 1,523
Deposits per Branch
$45M
#1,431 of 1,523
Competitive structure
Insured Institutions
3
#1,335 of 1,523
Branches per 100k Pop.
55.5
#70 of 1,523
Median Deposits per Institution
$88M
The median deposits booked by a single institution in the county. #1,024 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
100.0%
of county deposits held by banks with $100M to $100B in assets. #30 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
100%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)+16.8% over 5 years
$193M
2021
$205M
2022
$202M
2023
$205M
2024
$235M
2025
$226M
2026

Branches: 5 in 2021 to 5 in 2026. Institutions: 3 to 3. Top-three share: 100% to 100%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Bank Northwest$112M49.5%2+11%
The Hamilton Bank$88M39.0%2+27%
Pony Express Bank$26M11.6%1+12%

The 3 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Kansas City-Overland Park-Kansas City market

Caldwell County is one of 22 counties that make up the Kansas City-Overland Park-Kansas City, MO-KS market, a Combined Statistical Area (ranked #33 of 293 U.S. markets by economic output). It produces 0.1% of the market’s output and holds 0.2% of its deposits.

MeasureCaldwell CountyShare of parent market
2024 GDP$210M0.1%
Deposits$226M0.2%
Population9,0120.3%

View the full Kansas City-Overland Park-Kansas City market profile →

Recruiting in Caldwell 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 Caldwell County.

See how we help banks recruit commercial banking talent