Ray County, Missouri, a county in the Kansas City-Overland Park-Kansas City, MO-KS market, holds $510M in deposits across 7 insured institutions and 7 branches. TBO Bank is the largest deposit holder at 34.8% share. The top three banks hold 74% of deposits, which places the county in the Concentrated band. Deposits have grown 69.9% since 2020 while the branch count fell by 22.2%. It produces $498M of output, 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 2020 to 7 in 2025. Institutions: 8 to 7. Top-three share: 57% to 74%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| TBO Bank | $177M | 34.8% | +441% |
| NBH Bank | $118M | 23.1% | +30% |
| Flat Branch Bank | $84M | 16.5% | +154% |
| Community Bank of Missouri | $56M | 11.0% | +37% |
| The Central Trust Bank | $38M | 7.4% | no 2020 presence |
| Academy Bank | $26M | 5.2% | +60% |
| BTC Bank | $10M | 2.0% | no 2020 presence |
The 7 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 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 0.5% of its deposits.
| Measure | Ray County | Share of parent market |
|---|---|---|
| 2024 GDP | $498M | 0.3% |
| Deposits | $510M | 0.5% |
| 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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