Ray County, Missouri, a county in the Kansas City-Overland Park-Kansas City, MO-KS market, holds $330M in deposits across 8 insured institutions and 8 branches. NBH Bank is the largest deposit holder at 32.2% share. The top three banks hold 62% of deposits, which places the county in the Concentrated band. Deposits have fallen 6.5% since 2021 while the branch count fell by 11.1%. It produced $498M of real gross domestic product in 2024, ranking #1,362 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: 9 in 2021 to 8 in 2026. Institutions: 8 to 8. Top-three share: 57% to 62%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| NBH Bank | $106M | 32.2% | +4% |
| Community Bank of Missouri | $60M | 18.3% | +18% |
| TBO Bank | $38M | 11.6% | -8% |
| Flat Branch Bank | $38M | 11.4% | -3% |
| The Central Trust Bank | $37M | 11.2% | -19% |
| Academy Bank | $29M | 8.9% | +80% |
| Goppert Financial Bank | $12M | 3.5% | no 2021 presence |
| BTC Bank | $9M | 2.8% | -9% |
The 8 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 Kansas City-Overland Park-Kansas City market
Ray County is one of 22 counties that make up the Kansas City-Overland Park-Kansas City, MO-KS market, a Combined Statistical Area (ranked #33 of 293 U.S. markets by economic output). It produces 0.3% of the market’s output and holds 0.3% of its deposits.
| Measure | Ray County | Share of parent market |
|---|---|---|
| 2024 GDP | $498M | 0.3% |
| Deposits | $330M | 0.3% |
| Population | 23,398 | 0.9% |
View the full Kansas City-Overland Park-Kansas City market profile →
Recruiting in Ray 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 Ray County.
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