Clay County, Missouri, a core county of the Kansas City-Overland Park-Kansas City, MO-KS market, holds $5.9B in deposits across 26 insured institutions and 65 branches. Bank of America is the largest deposit holder at 13.7% share. The top three banks hold 34% of deposits, which places the county in the Fragmented band. Deposits have grown 15.8% since 2021. It produced $14.2B of real gross domestic product in 2024, ranking #283 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: 65 in 2021 to 65 in 2026. Institutions: 26 to 26. Top-three share: 40% to 34%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Bank of America | $803M | 13.7% | -7% |
| Commerce Bank | $668M | 11.4% | +14% |
| The Central Trust Bank | $541M | 9.2% | -4% |
| NBH Bank | $384M | 6.5% | +3% |
| UMB Bank | $376M | 6.4% | +37% |
| Verimore Bank | $344M | 5.9% | +26% |
| North American Savings Bank, F.S.B. | $334M | 5.7% | +39% |
| Security Bank of Kansas City | $332M | 5.7% | -5% |
| Pony Express Bank | $317M | 5.4% | +34% |
| U.S. Bank | $309M | 5.3% | +18% |
| HNB National Bank | $294M | 5.0% | +21% |
| Academy Bank | $251M | 4.3% | +52% |
| Southern Bank | $155M | 2.6% | +36% |
| BMO Bank | $129M | 2.2% | +5% |
| Arvest Bank | $101M | 1.7% | +73% |
| Capitol Federal Savings Bank | $83M | 1.4% | +36% |
| JPMorgan Chase Bank | $80M | 1.4% | +1,097% |
| First National Bank of Omaha | $78M | 1.3% | +11% |
| nbkc bank | $72M | 1.2% | -11% |
| The Nodaway Valley Bank | $60M | 1.0% | +263% |
| First Federal Bank of Kansas City | $57M | 1.0% | -11% |
| Hawthorn Bank | $32M | 0.5% | no 2021 presence |
| Goppert Financial Bank | $24M | 0.4% | -6% |
| Community Bank of Missouri | $20M | 0.3% | +24% |
| The Union State Bank of Everest | $15M | 0.2% | no 2021 presence |
| Farmers State Bank | $7M | 0.1% | no 2021 presence |
The 26 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
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.
See how we help banks recruit commercial banking talent