Market Intelligence

Missoula County, MT

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Missoula, MT › Missoula County

Missoula County, Montana, a core county of the Missoula, MT market, holds $3.7B in deposits across 11 insured institutions and 32 branches. First Interstate Bank is the largest deposit holder at 22.4% share. The top three institutions hold 56.6% of deposits, which places the county in the moderately concentrated band. Deposits have grown 22.4% since 2020 while the branch count fell by 4. It produces $7.1B of output, ranking #464 of the 1,523 counties within a CSA or MSA by economic output.

2024 Real GDP
$7.1B
#464 of 1,523
Total Deposits
$3.7B
#426 of 1,523
Population
123,513
#519 of 1,523
GDP per Capita
$57,744
#404 of 1,523
Insured Institutions
11
#610 of 1,523
Deposits per Branch
$115M
#416 of 1,523
Deposits per Capita
$29,768
#398 of 1,523
Branches per 100k Pop.
25.9
#665 of 1,523
Median Institution Size
$342M
Median deposits of the institutions operating in the county. #115 of 1,523. A smaller figure signals a market served mainly by community-scale banks.
Community & Regional Bank Share
80.6%
of market deposits held by banks with $100M to $50B in assets. #497 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
56.6%
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+22.4% over 5 years
$3.0B
2020
$3.6B
2021
$3.8B
2022
$3.6B
2023
$3.6B
2024
$3.7B
2025

Branches: 36 in 2020 to 32 in 2025. Institutions: 12 to 11. Top-three share: 63.0% to 56.6%.

Leading institutions by deposits

InstitutionDepositsShareBranches5‑yr
First Interstate Bank$825M22.4%3+3%
Glacier Bank$815M22.2%6+8%
Stockman Bank of Montana$440M12.0%3+95%
Wells Fargo Bank, National Association$370M10.1%2+20%
TrailWest Bank$368M10.0%7+43%
U.S. Bank National Association$342M9.3%2+1%
Bank of Montana$272M7.4%1+130%
Opportunity Bank of Montana$65M1.8%2+27%
Farmers State Bank$65M1.8%3+9%
Citizens Alliance Bank$58M1.6%1+39%

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 competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.

Part of the Missoula market

Missoula County is one of 2 counties that make up the Missoula, MT market, a Metropolitan Statistical Area (ranked #237 of 293 U.S. markets by economic output). It produces 98.3% of the market’s output and holds 98.3% of its deposits.

MeasureMissoula CountyShare of Missoula market
2024 GDP$7.1B98.3%
Deposits$3.7B98.3%
Population123,51396.0%

See the Missoula market in Market Intelligence →

Recruiting in Missoula 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 Missoula County, on a retained basis.

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