Market Intelligence

Lewis and Clark County, MT

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market IntelligenceHelena, MT › Lewis and Clark County

Lewis and Clark County, Montana, a core county of the Helena, MT market, holds $2.4B in deposits across 13 insured institutions and 24 branches. Glacier Bank is the largest deposit holder at 23.5% share. The top three banks hold 56% of deposits, which places the county in the Moderate band. Deposits have grown 30.5% since 2020 while the branch count fell by 17.2%. It produces $4.5B of output, ranking #642 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$4.5B
#642 of 1,523
Population
75,331
#730 of 1,523
GDP per Capita
$59,472
#364 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$2.4B
#590 of 1,523
Deposits per Capita
$31,655
#323 of 1,523
Deposits per Branch
$99M
#604 of 1,523
Competitive structure
Insured Institutions
13
#466 of 1,523
Branches per 100k Pop.
31.9
#409 of 1,523
Median Deposits per Institution
$94M
The median deposits booked by a single institution in the county. #947 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
77.1%
of county deposits held by banks with $100M to $100B in assets. #660 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: Moderate
56%
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, 2020 to 2025)+30.5% over 5 years
$1.8B
2020
$2.1B
2021
$2.2B
2022
$2.2B
2023
$2.3B
2024
$2.4B
2025

Branches: 29 in 2020 to 24 in 2025. Institutions: 12 to 13. Top-three share: 65% to 56%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
Glacier Bank$559M23.5%4+21%
First Interstate Bank$428M18.0%3+12%
Opportunity Bank of Montana$351M14.7%4+69%
Stockman Bank of Montana$310M13.0%2+230%
Wells Fargo Bank$300M12.6%2-13%
U.S. Bank$219M9.2%1+11%
Ascent Bank$94M3.9%2+70%
Citizens Alliance Bank$41M1.7%1+138%
JPMorgan Chase Bank$28M1.2%1no 2020 presence
Farmers State Bank$25M1.1%1+119%
Bank of The Rockies$20M0.8%1-29%
First Montana Bank, Inc.$8M0.3%1+97%
Bravera Bank$1M0.1%1no 2020 presence

The 13 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 Helena market

Lewis and Clark County is one of 3 counties that make up the Helena, MT market, a Metropolitan Statistical Area (ranked #271 of 293 U.S. markets by economic output). It produces 89.4% of the market’s output and holds 91.0% of its deposits.

MeasureLewis and Clark CountyShare of parent market
2024 GDP$4.5B89.4%
Deposits$2.4B91.0%
Population75,33177.5%

View the full Helena market profile →

Recruiting in Lewis and Clark 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 Lewis and Clark County.

See how we help banks recruit commercial banking talent