Cowley County, Kansas, a core county of the Wichita-Arkansas City-Winfield, KS market, holds $929M in deposits across 7 insured institutions and 20 branches. Union State Bank is the largest deposit holder at 36.4% share. The top three institutions hold 88.9% of deposits, which places the county in the concentrated band. Deposits have grown 28.0% since 2020. It produces $1.3B of output, ranking #1,109 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 20 in 2020 to 20 in 2025. Institutions: 7 to 7. Top-three share: 88.0% to 88.9%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Union State Bank | $339M | 36.4% | +48% |
| RCB Bank | $331M | 35.6% | +5% |
| Community National Bank & Trust | $157M | 16.9% | +63% |
| Citizens Bank of Kansas | $46M | 4.9% | +24% |
| BMO Bank National Association | $27M | 2.9% | -12% |
| The Stock Exchange Bank, Caldwell, Kansas | $16M | 1.7% | +109% |
| Bank of Commerce | $13M | 1.4% | no 2020 presence |
The 7 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.
Part of the Wichita-Arkansas City-Winfield market
Cowley County is one of 5 counties that make up the Wichita-Arkansas City-Winfield, KS market, a Combined Statistical Area (ranked #83 of 293 U.S. markets by economic output). It produces 3.2% of the market’s output and holds 4.0% of its deposits.
| Measure | Cowley County | Share of Wichita-Arkansas City-Winfield market |
|---|---|---|
| 2024 GDP | $1.3B | 3.2% |
| Deposits | $929M | 4.0% |
| Population | 34,382 | 4.9% |
View the full Wichita-Arkansas City-Winfield market profile →
Recruiting in Cowley 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 Cowley County, on a retained basis.
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