Christian County, Missouri, a core county of the Springfield, MO market, holds $1.9B in deposits across 14 insured institutions and 29 branches. Ozark Bank is the largest deposit holder at 15.2% share. The top three banks hold 42% of deposits, which places the county in the Fragmented band. Deposits have grown 26.5% since 2021 while the branch count fell by 14.7%. It produced $2.2B of real gross domestic product in 2024, ranking #886 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: 34 in 2021 to 29 in 2026. Institutions: 16 to 14. Top-three share: 49% to 42%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Ozark Bank | $283M | 15.2% | +4% |
| Southern Bank | $282M | 15.1% | +50% |
| Guaranty Bank | $221M | 11.9% | +129% |
| The Central Trust Bank | $204M | 11.0% | -22% |
| Commerce Bank | $153M | 8.2% | +26% |
| Great Southern Bank | $143M | 7.7% | -2% |
| Legacy Bank & Trust Company | $132M | 7.1% | +136% |
| Oakstar Bank | $111M | 6.0% | +1,762% |
| Simmons Bank | $86M | 4.6% | -12% |
| Arvest Bank | $78M | 4.2% | +121% |
| Bank of Billings | $61M | 3.3% | +51% |
| The Bank of Missouri | $51M | 2.7% | -22% |
| Regions Bank | $37M | 2.0% | +19% |
| Academy Bank | $17M | 0.9% | +91% |
The 14 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 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 10.5% of its deposits.
| Measure | Christian County | Share of parent market |
|---|---|---|
| 2024 GDP | $2.2B | 9.7% |
| Deposits | $1.9B | 10.5% |
| Population | 96,725 | 19.3% |
View the full Springfield market profile →
Recruiting in Christian 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 Christian County.
See how we help banks recruit commercial banking talent