Cape Girardeau County, Missouri, a core county of the Cape Girardeau-Sikeston, MO-IL market, holds $3.5B in deposits across 16 insured institutions and 36 branches. The Bank of Missouri is the largest deposit holder at 14.1% share. The top three banks hold 35% of deposits, which places the county in the Fragmented band. Deposits have grown 20.7% since 2021 while the branch count fell by 10.0%. It produced $4.2B of real gross domestic product in 2024, ranking #664 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: 40 in 2021 to 36 in 2026. Institutions: 15 to 16. Top-three share: 39% to 35%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Bank of Missouri | $490M | 14.1% | +18% |
| Wood & Huston Bank | $396M | 11.4% | +35% |
| Montgomery Bank | $349M | 10.0% | -16% |
| First State Community Bank | $260M | 7.5% | +6% |
| U.S. Bank | $251M | 7.2% | -1% |
| Banterra Bank | $246M | 7.1% | +149% |
| Southern Bank | $236M | 6.8% | +33% |
| Commerce Bank | $219M | 6.3% | +68% |
| Alliance Bank | $192M | 5.5% | +24% |
| Fm Bank And Trust | $191M | 5.5% | +16% |
| Regions Bank | $173M | 5.0% | -8% |
| First Midwest Bank of Dexter | $139M | 4.0% | +36% |
| MRV Banks | $136M | 3.9% | +27% |
| Sterling Bank | $124M | 3.6% | +30% |
| Peoples Bank Co. | $76M | 2.2% | +97% |
| 1NB Bank | $1M | <0.1% | no 2021 presence |
The 16 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 Cape Girardeau-Sikeston market
Cape Girardeau County is one of 5 counties that make up the Cape Girardeau-Sikeston, MO-IL market, a Combined Statistical Area (ranked #249 of 293 U.S. markets by economic output). It produces 63.2% of the market’s output and holds 67.2% of its deposits.
| Measure | Cape Girardeau County | Share of parent market |
|---|---|---|
| 2024 GDP | $4.2B | 63.2% |
| Deposits | $3.5B | 67.2% |
| Population | 83,999 | 56.3% |
View the full Cape Girardeau-Sikeston market profile →
Recruiting in Cape Girardeau County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. 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 Cape Girardeau County.
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