Christian County, Missouri, a core county of the Springfield, MO market, holds $1.7B in deposits across 14 insured institutions and 30 branches. Ozark Bank is the largest deposit holder at 18.5% share. The top three institutions hold 47.0% of deposits, which places the county in the moderately concentrated band. Deposits have grown 33.8% since 2020 while the branch count fell by 4. It produces $2.2B of output, ranking #886 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 34 in 2020 to 30 in 2025. Institutions: 15 to 14. Top-three share: 49.3% to 47.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Ozark Bank | $319M | 18.5% | +32% |
| Southern Bank | $283M | 16.4% | +64% |
| The Central Trust Bank | $207M | 12.0% | no 2020 presence |
| Great Southern Bank | $150M | 8.7% | +23% |
| Commerce Bank | $123M | 7.2% | +20% |
| Legacy Bank & Trust Company | $114M | 6.7% | +129% |
| Oakstar Bank | $107M | 6.2% | no 2020 presence |
| Guaranty Bank | $104M | 6.0% | no 2020 presence |
| Simmons Bank | $88M | 5.1% | +5% |
| Arvest Bank | $76M | 4.4% | +175% |
The 10 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Springfield market
Christian County is one of 5 counties that make up the Springfield, MO market, a Metropolitan Statistical Area (ranked #119 of 293 U.S. markets by economic output). It produces 9.7% of the market’s output and holds 10.0% of its deposits.
| Measure | Christian County | Share of Springfield market |
|---|---|---|
| 2024 GDP | $2.2B | 9.7% |
| Deposits | $1.7B | 10.0% |
| Population | 96,725 | 19.3% |
View the full Springfield market profile →
Recruiting in Christian County
Deposits are split among a moderate 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 Christian County, on a retained basis.
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