Scott County, Missouri, a core county of the Cape Girardeau-Sikeston, MO-IL market, holds $1.1B in deposits across 10 insured institutions and 13 branches. Montgomery Bank is the largest deposit holder at 31.8% share. The top three banks hold 54% of deposits, which places the county in the Moderate band. Deposits have grown 22.8% since 2021. It produced $1.7B of real gross domestic product in 2024, ranking #991 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: 13 in 2021 to 13 in 2026. Institutions: 10 to 10. Top-three share: 53% to 54%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Montgomery Bank | $359M | 31.8% | +14% |
| Alliance Bank | $125M | 11.1% | +36% |
| First Midwest Bank of Dexter | $120M | 10.6% | +66% |
| The Bank of Missouri | $102M | 9.1% | +31% |
| First State Bank and Trust Company, Inc. | $90M | 8.0% | +24% |
| First State Community Bank | $86M | 7.6% | +35% |
| Regions Bank | $71M | 6.3% | +17% |
| Southern Bank | $70M | 6.2% | +29% |
| U.S. Bank | $67M | 5.9% | -11% |
| The Bank of Advance | $38M | 3.3% | +10% |
The 10 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 Cape Girardeau-Sikeston market
Scott County is one of 5 counties that make up the Cape Girardeau-Sikeston, MO-IL market, a Combined Statistical Area (ranked #249 of 293 U.S. markets by economic output). It produces 26.3% of the market’s output and holds 21.8% of its deposits.
| Measure | Scott County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.7B | 26.3% |
| Deposits | $1.1B | 21.8% |
| Population | 37,975 | 25.5% |
View the full Cape Girardeau-Sikeston market profile →
Recruiting in Scott 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 Scott County.
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