Randolph County, Missouri, a core county of the Columbia-Jefferson City-Moberly, MO market, holds $501M in deposits across 8 insured institutions and 12 branches. The Central Trust Bank is the largest deposit holder at 43.0% share. The top three institutions hold 76.5% of deposits, which places the county in the concentrated band. Deposits have grown 9.8% since 2020 while the branch count rose by 1. It produces $1.2B of output, ranking #1,124 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 11 in 2020 to 12 in 2025. Institutions: 7 to 8. Top-three share: 76.4% to 76.5%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Central Trust Bank | $215M | 43.0% | no 2020 presence |
| Regional Missouri Bank | $100M | 19.9% | -11% |
| Commerce Bank | $68M | 13.6% | +19% |
| County Bank | $54M | 10.7% | +12% |
| First State Community Bank | $38M | 7.6% | +11% |
| Academy Bank, National Association | $18M | 3.7% | +47% |
| Equity Bank | $6M | 1.3% | no 2020 presence |
| Alliant Bank | $2M | 0.3% | no 2020 presence |
The 8 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 Columbia-Jefferson City-Moberly market
Randolph County is one of 9 counties that make up the Columbia-Jefferson City-Moberly, MO market, a Combined Statistical Area (ranked #121 of 293 U.S. markets by economic output). It produces 5.4% of the market’s output and holds 3.6% of its deposits.
| Measure | Randolph County | Share of Columbia-Jefferson City-Moberly market |
|---|---|---|
| 2024 GDP | $1.2B | 5.4% |
| Deposits | $501M | 3.6% |
| Population | 24,513 | 5.8% |
View the full Columbia-Jefferson City-Moberly market profile →
Recruiting in Randolph 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 Randolph County, on a retained basis.
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