Scott County, Missouri, a core county of the Cape Girardeau-Sikeston, MO-IL market, holds $1.1B in deposits across 10 insured institutions and 14 branches. Montgomery Bank is the largest deposit holder at 34.1% share. The top three institutions hold 54.3% of deposits, which places the county in the moderately concentrated band. Deposits have grown 32.0% since 2020 while the branch count fell by 1. It produces $1.7B of output, ranking #991 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 15 in 2020 to 14 in 2025. Institutions: 10 to 10. Top-three share: 53.4% to 54.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Montgomery Bank | $386M | 34.1% | +30% |
| Alliance Bank | $119M | 10.5% | +45% |
| First Midwest Bank of Dexter | $110M | 9.7% | +73% |
| The Bank of Missouri | $108M | 9.5% | +65% |
| First State Bank and Trust Company, Inc. | $95M | 8.4% | +34% |
| First State Community Bank | $79M | 7.0% | +37% |
| Southern Bank | $69M | 6.1% | +44% |
| U.S. Bank National Association | $66M | 5.8% | -1% |
| Regions Bank | $65M | 5.8% | -18% |
| The Bank of Advance | $36M | 3.1% | +27% |
The 10 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 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 22.4% of its deposits.
| Measure | Scott County | Share of Cape Girardeau-Sikeston market |
|---|---|---|
| 2024 GDP | $1.7B | 26.3% |
| Deposits | $1.1B | 22.4% |
| 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, on a retained basis.
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