Howard County, Missouri, a county in the Columbia-Jefferson City-Moberly, MO market, holds $361M in deposits across 5 insured institutions and 6 branches. Exchange Bank of Missouri is the largest deposit holder at 40.9% share. The top three banks hold 87% of deposits, which places the county in the Concentrated band. Deposits have grown 27.3% since 2020. It produces $218M of output, ranking #1,480 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: 6 in 2020 to 6 in 2025. Institutions: 5 to 5. Top-three share: 87% to 87%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Exchange Bank of Missouri | $147M | 40.9% | +80% |
| Commercial Trust Company of Fayette | $120M | 33.2% | +8% |
| Tri-County Trust Company | $46M | 12.7% | -15% |
| Regional Missouri Bank | $37M | 10.2% | +33% |
| BTC Bank | $11M | 2.9% | no 2020 presence |
The 5 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “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
Howard 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 1.0% of the market’s output and holds 2.6% of its deposits.
| Measure | Howard County | Share of parent market |
|---|---|---|
| 2024 GDP | $218M | 1.0% |
| Deposits | $361M | 2.6% |
| Population | 10,180 | 2.4% |
View the full Columbia-Jefferson City-Moberly market profile →
Recruiting in Howard 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 Howard County.
See how we help banks recruit commercial banking talent