Cole County, Missouri, a core county of the Columbia-Jefferson City-Moberly, MO market, holds $4.8B in deposits across 12 insured institutions and 29 branches. The Central Trust Bank is the largest deposit holder at 63.3% share. The top three institutions hold 81.7% of deposits, which places the county in the concentrated band. Deposits have grown 10.6% since 2020. It produces $5.8B of output, ranking #539 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: 29 in 2020 to 29 in 2025. Institutions: 12 to 12. Top-three share: 72.0% to 81.7%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Central Trust Bank | $3.0B | 63.3% | +55% |
| Hawthorn Bank | $531M | 11.1% | +3% |
| Mid America Bank | $346M | 7.2% | +28% |
| Midwest Independent BankersBank | $292M | 6.1% | +34% |
| Community Point Bank | $165M | 3.5% | +37% |
| UMB Bank | $95M | 2.0% | +65% |
| First Mid Bank & Trust | $74M | 1.6% | no 2020 presence |
| Farmers Bank of Lohman, Missouri | $67M | 1.4% | +9% |
| Legends Bank | $57M | 1.2% | +28% |
| U.S. Bank | $50M | 1.1% | +64% |
The 10 largest of 12 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 Columbia-Jefferson City-Moberly market
Cole County is one of 9 counties that make up the Columbia-Jefferson City-Moberly, MO market, a Combined Statistical Area (ranked #121 of 293 U.S. markets by economic output). It produces 25.8% of the market’s output and holds 34.0% of its deposits.
| Measure | Cole County | Share of parent market |
|---|---|---|
| 2024 GDP | $5.8B | 25.8% |
| Deposits | $4.8B | 34.0% |
| Population | 77,908 | 18.5% |
View the full Columbia-Jefferson City-Moberly market profile →
Recruiting in Cole County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small 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 Cole County, on a retained basis.
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