Market Intelligence

Missoula County, MT

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025
Market IntelligenceMissoula, 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 banks hold 57% of deposits, which places the county in the Moderate band. Deposits have grown 22.4% since 2020 while the branch count fell by 11.1%. It produces $7.1B of output, ranking #464 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$7.1B
#464 of 1,523
Population
123,513
#519 of 1,523
GDP per Capita
$57,744
#404 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$3.7B
#426 of 1,523
Deposits per Capita
$29,768
#398 of 1,523
Deposits per Branch
$115M
#416 of 1,523
Competitive structure
Insured Institutions
11
#610 of 1,523
Branches per 100k Pop.
25.9
#665 of 1,523
Median Deposits per Institution
$342M
The median deposits booked by a single institution in the county. #115 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
80.6%
of county deposits held by banks with $100M to $100B in assets. #595 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
57%
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)+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% to 57%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
First Interstate Bank$825M22.4%3+3%
Glacier Bank$815M22.2%6+8%
Stockman Bank of Montana$440M12.0%3+95%
Wells Fargo Bank$370M10.1%2+20%
TrailWest Bank$368M10.0%7+43%
U.S. Bank$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%
First Montana Bank, Inc.$57M1.6%2+21%

The 11 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 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 parent market
2024 GDP$7.1B98.3%
Deposits$3.7B98.3%
Population123,51396.0%

View the full Missoula market profile →

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.

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