Polk County, Missouri, a county in the Springfield, MO market, holds $837M in deposits across 7 insured institutions and 10 branches. The Bank of Missouri is the largest deposit holder at 24.7% share. The top three banks hold 66% of deposits, which places the county in the Concentrated band. Deposits have grown 20.0% since 2021 while the branch count fell by 16.7%. It produced $902M of real gross domestic product in 2024, ranking #1,223 of the 1,523 ranked counties by economic output.
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
Branches: 12 in 2021 to 10 in 2026. Institutions: 10 to 7. Top-three share: 63% to 66%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| The Bank of Missouri | $206M | 24.7% | 0% |
| Oakstar Bank | $206M | 24.6% | +75% |
| Mid-Missouri Bank | $136M | 16.3% | +19% |
| Commerce Bank | $106M | 12.6% | -2% |
| Grand Missouri Bank | $100M | 12.0% | +128% |
| U.S. Bank | $83M | 9.9% | +76% |
| Great Southern Bank | $0M | 0.0% | no 2021 presence |
The 7 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Springfield market
Polk County is one of 5 counties that make up the Springfield, MO market, a Metropolitan Statistical Area (ranked #119 of 293 U.S. markets by economic output). It produces 3.9% of the market’s output and holds 4.7% of its deposits.
| Measure | Polk County | Share of parent market |
|---|---|---|
| 2024 GDP | $902M | 3.9% |
| Deposits | $837M | 4.7% |
| Population | 33,604 | 6.7% |
View the full Springfield market profile →
Recruiting in Polk 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 Polk County.
See how we help banks recruit commercial banking talent