Market Intelligence

Douglas County, KS

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026

Douglas County, Kansas, a core county of the Kansas City-Overland Park-Kansas City, MO-KS market, holds $3.6B in deposits across 22 insured institutions and 44 branches. Capitol Federal Savings Bank is the largest deposit holder at 16.3% share. The top three banks hold 44% of deposits, which places the county in the Fragmented band. Deposits have grown 0.8% since 2021 while the branch count fell by 2.2%. It produced $5.5B of real gross domestic product in 2024, ranking #560 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$5.5B
#560 of 1,523
Population
120,920
#530 of 1,523
GDP per Capita
$45,460
#721 of 1,523
Deposit market
Deposits (SOD, 6/30/26)
$3.6B
#440 of 1,523
Deposits per Capita
$29,426
#446 of 1,523
Deposits per Branch
$81M
#927 of 1,523
Competitive structure
Insured Institutions
22
#177 of 1,523
Branches per 100k Pop.
36.4
#288 of 1,523
Median Deposits per Institution
$62M
The median deposits booked by a single institution in the county. #1,312 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
72.3%
of county deposits held by banks with $100M to $100B in assets. #712 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Fragmented
44%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

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

County Deposits (SOD, 2021 to 2026)+0.8% over 5 years
$3.5B
2021
$3.7B
2022
$3.4B
2023
$3.4B
2024
$3.5B
2025
$3.6B
2026

Branches: 45 in 2021 to 44 in 2026. Institutions: 22 to 22. Top-three share: 50% to 44%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Capitol Federal Savings Bank$580M16.3%3-3%
U.S. Bank$500M14.1%3-15%
Bank of America$484M13.6%2-18%
The Central Trust Bank$298M8.4%7+15%
Commerce Bank$294M8.3%2+5%
Great American Bank$264M7.4%2+36%
Intrust Bank$257M7.2%2-9%
Mid-America Bank$247M6.9%3+31%
The Baldwin State Bank$103M2.9%2+18%
The Farmers State Bank of Oakley, Kansas$70M2.0%1+5%
Central National Bank$63M1.8%3-7%
First State Bank and Trust$62M1.7%2+13%
UMB Bank$55M1.5%1+44%
Landmark National Bank$53M1.5%2+32%
NBH Bank$45M1.3%1-27%
TriCentury Bank$44M1.2%1no 2021 presence
Emprise Bank$41M1.2%1+28%
Sunflower Bank$39M1.1%1-20%
The Kansas State Bank$19M0.5%1+9%
Silver Lake Bank$15M0.4%1+51%
Mutual Savings Association$13M0.4%1+18%
RCB Bank$12M0.3%2+16%

The 22 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

Douglas 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 3.3% of the market’s output and holds 3.3% of its deposits.

MeasureDouglas CountyShare of parent market
2024 GDP$5.5B3.3%
Deposits$3.6B3.3%
Population120,9204.6%

View the full Kansas City-Overland Park-Kansas City market profile →

Recruiting in Douglas 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 Douglas County.

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