Market Intelligence

Lewis and Clark County, MT

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Helena, 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 institutions hold 56.1% of deposits, which places the county in the moderately concentrated band. Deposits have grown 30.5% since 2020 while the branch count fell by 5. It produces $4.5B of output, ranking #642 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$4.5B
#642 of 1,523
Total Deposits
$2.4B
#590 of 1,523
Population
75,331
#730 of 1,523
GDP per Capita
$59,472
#364 of 1,523
Insured Institutions
13
#466 of 1,523
Deposits per Branch
$99M
#604 of 1,523
Deposits per Capita
$31,655
#323 of 1,523
Branches per 100k Pop.
31.9
#409 of 1,523
Median Institution Size
$94M
Median deposits of the institutions operating in the county. #947 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
77.1%
of market deposits held by banks with $100M to $50B in assets. #556 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 Deposit Share: moderately concentrated
56.1%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

Deposit trend

Total county deposits, 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: 65.3% to 56.1%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
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, National Association$300M12.6%2-13%
U.S. Bank National Association$219M9.2%1+11%
Ascent Bank$94M3.9%2+70%
Citizens Alliance Bank$41M1.7%1+138%
JPMorgan Chase Bank, National Association$28M1.2%1no 2020 presence
Farmers State Bank$25M1.1%1+119%

The 10 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 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 Helena market
2024 GDP$4.5B89.4%
Deposits$2.4B91.0%
Population75,33177.5%

See the Helena market in Market Intelligence →

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, on a retained basis.

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