Cooper County, Missouri, a county in the Columbia-Jefferson City-Moberly, MO market, holds $497M in deposits across 9 insured institutions and 14 branches. Citizens Community Bank is the largest deposit holder at 24.7% share. The top three institutions hold 51.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 24.6% since 2020. It produces $478M of output, ranking #1,371 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 14 in 2020 to 14 in 2025. Institutions: 9 to 9. Top-three share: 53.4% to 51.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Citizens Community Bank | $123M | 24.7% | +22% |
| Midwest Regional Bank | $71M | 14.3% | +20% |
| The Central Trust Bank | $64M | 12.8% | no 2020 presence |
| Alliant Bank | $55M | 11.0% | +27% |
| BTC Bank | $48M | 9.8% | +87% |
| First State Community Bank | $48M | 9.6% | +79% |
| UMB Bank, National Association | $45M | 9.0% | -2% |
| Southern Bank | $33M | 6.7% | no 2020 presence |
| Connections Bank | $11M | 2.2% | no 2020 presence |
The 9 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 Columbia-Jefferson City-Moberly market
Cooper 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 2.1% of the market’s output and holds 3.5% of its deposits.
| Measure | Cooper County | Share of Columbia-Jefferson City-Moberly market |
|---|---|---|
| 2024 GDP | $478M | 2.1% |
| Deposits | $497M | 3.5% |
| Population | 17,136 | 4.1% |
View the full Columbia-Jefferson City-Moberly market profile →
Recruiting in Cooper 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 Cooper County, on a retained basis.
Start a confidential conversation