Mississippi County, Missouri, a county in the Cape Girardeau-Sikeston, MO-IL market, holds $323M in deposits across 4 insured institutions and 7 branches. Focus Bank is the largest deposit holder at 51.5% share. The top three institutions hold 98.0% of deposits, which places the county in the concentrated band. Deposits have grown 9.2% since 2020. It produces $308M of output, ranking #1,442 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 7 in 2020 to 7 in 2025. Institutions: 4 to 4. Top-three share: 97.5% to 98.0%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Focus Bank | $166M | 51.5% | +3% |
| Citizens' Bank of Charleston | $139M | 43.1% | +17% |
| Banterra Bank | $11M | 3.5% | +25% |
| First State Bank and Trust Company, Inc. | $6M | 2.0% | -14% |
The 4 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 Cape Girardeau-Sikeston market
Mississippi County is one of 5 counties that make up the Cape Girardeau-Sikeston, MO-IL market, a Combined Statistical Area (ranked #249 of 293 U.S. markets by economic output). It produces 4.7% of the market’s output and holds 6.4% of its deposits.
| Measure | Mississippi County | Share of Cape Girardeau-Sikeston market |
|---|---|---|
| 2024 GDP | $308M | 4.7% |
| Deposits | $323M | 6.4% |
| Population | 12,003 | 8.0% |
View the full Cape Girardeau-Sikeston market profile →
Recruiting in Mississippi 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 Mississippi County, on a retained basis.
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