Market Intelligence

Newton County, MO

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Newton County, Missouri, a county in the Joplin-Miami, MO-OK-KS market, holds $1.5B in deposits across 8 insured institutions and 25 branches. People's Bank of Seneca is the largest deposit holder at 24.1% share. The top three banks hold 59% of deposits, which places the county in the Moderate band. Deposits have grown 38.9% since 2020 while the branch count fell by 3.8%. It produces $2.4B of output, ranking #867 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$2.4B
#867 of 1,523
Population
62,263
#830 of 1,523
GDP per Capita
$37,779
#970 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$1.5B
#753 of 1,523
Deposits per Capita
$24,563
#625 of 1,523
Deposits per Branch
$61M
#1,231 of 1,523
Competitive structure
Insured Institutions
8
#894 of 1,523
Branches per 100k Pop.
40.2
#210 of 1,523
Median Deposits per Institution
$182M
The median deposits booked by a single institution in the county. #382 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
90.4%
of county deposits held by banks with $100M to $100B in assets. #373 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
59%
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)+38.9% over 5 years
$1.1B
2020
$1.3B
2021
$1.5B
2022
$1.5B
2023
$1.5B
2024
$1.5B
2025

Branches: 26 in 2020 to 25 in 2025. Institutions: 9 to 8. Top-three share: 57% to 59%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
People's Bank of Seneca$369M24.1%3+95%
Southwest Missouri Bank$288M18.8%4+24%
Community Bank and Trust$241M15.8%7+19%
Arvest Bank$187M12.2%2-1%
First Community Bank$176M11.5%3+77%
U.S. Bank$146M9.6%2+64%
Great Southern Bank$87M5.7%3+51%
Guaranty Bank$35M2.3%1no 2020 presence

The 8 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 Joplin-Miami market

Newton County is one of 4 counties that make up the Joplin-Miami, MO-OK-KS market, a Combined Statistical Area (ranked #191 of 293 U.S. markets by economic output). It produces 23.4% of the market’s output and holds 28.1% of its deposits.

MeasureNewton CountyShare of parent market
2024 GDP$2.4B23.4%
Deposits$1.5B28.1%
Population62,26326.0%

View the full Joplin-Miami market profile →

Recruiting in Newton 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 Newton County.

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