Clay County, Missouri, a core county of the Kansas City-Overland Park-Kansas City, MO-KS market, holds $5.9B in deposits across 27 insured institutions and 65 branches. Bank of America, National Association is the largest deposit holder at 16.1% share. The top three institutions hold 35.5% of deposits, which places the county in the fragmented band. Deposits have grown 28.4% since 2020 while the branch count fell by 4. It produces $14.2B of output, ranking #283 of the 1,523 counties within a CSA or MSA 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: 69 in 2020 to 65 in 2025. Institutions: 24 to 27. Top-three share: 38.8% to 35.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Bank of America | $940M | 16.1% | +24% |
| Commerce Bank | $619M | 10.6% | +28% |
| The Central Trust Bank | $520M | 8.9% | no 2020 presence |
| NBH Bank | $388M | 6.6% | +12% |
| Security Bank of Kansas City | $338M | 5.8% | +15% |
| UMB Bank | $335M | 5.7% | +49% |
| North American Savings Bank, F.S.B. | $324M | 5.5% | +37% |
| U.S. Bank | $300M | 5.1% | +21% |
| Kearney Trust Company | $281M | 4.8% | +32% |
| Pony Express Bank | $278M | 4.8% | +79% |
The 10 largest of 27 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 organic growth; “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 Kansas City-Overland Park-Kansas City market
Clay 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 8.6% of the market’s output and holds 5.4% of its deposits.
| Measure | Clay County | Share of parent market |
|---|---|---|
| 2024 GDP | $14.2B | 8.6% |
| Deposits | $5.9B | 5.4% |
| Population | 265,032 | 10.2% |
View the full Kansas City-Overland Park-Kansas City market profile →
Recruiting in Clay 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 Clay County, on a retained basis.
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