Cape Girardeau-Sikeston, MO-IL, a Combined Statistical Area, holds $5.1 billion in deposits across 20 insured institutions and 61 branches, ranking #249 of 293 U.S. markets by economic output. The Bank of Missouri is the largest deposit holder at 14.6% share. The top three institutions hold 36.5% of deposits, which places the market in the fragmented band. Deposits have grown 32.2% since 2020 while the branch count fell by 9.0%.
Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 67 in 2020 to 61 in 2025. Institutions: 21 to 20. Top-three share: 37.7% to 36.5%. Deposits per branch: $83M.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Bank of Missouri | $0.7B | 14.6% | +47% |
| Montgomery Bank | $0.7B | 14.2% | +12% |
| Southern Bank | $0.4B | 7.7% | +45% |
| Wood & Huston Bank | $0.4B | 7.7% | +65% |
| U.S. Bank | $0.3B | 6.3% | +7% |
| First State Community Bank | $0.3B | 6.3% | +13% |
| Alliance Bank | $0.3B | 5.8% | +39% |
| Banterra Bank | $0.3B | 5.3% | +163% |
| First Midwest Bank of Dexter | $0.2B | 4.9% | +66% |
| Regions Bank | $0.2B | 4.7% | +7% |
| First Missouri State Bank of Cape County | $200M | 4.0% | +26% |
| Focus Bank | $166M | 3.3% | +3% |
| Commerce Bank | $164M | 3.3% | +47% |
| Citizens' Bank of Charleston | $139M | 2.8% | +17% |
| MRV Banks | $138M | 2.7% | +66% |
| Sterling Bank | $106M | 2.1% | +29% |
| First State Bank and Trust Company, Inc. | $101M | 2.0% | +29% |
| Peoples Bank of Altenburg | $60M | 1.2% | +64% |
| The Bank of Advance | $36M | 0.7% | +27% |
| Peoples Community Bank | $30M | 0.6% | +9% |
The 20 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.
Counties in this market
| County | State | GDP | Population | Share of Market GDP | |
|---|---|---|---|---|---|
| Cape Girardeau County | Missouri | $4.2B | 83,999 | 63.2% | 66.5% |
| Scott County | Missouri | $1.7B | 37,975 | 26.3% | 22.4% |
| Mississippi County | Missouri | $308M | 12,003 | 4.7% | 6.4% |
| Alexander County | Illinois | $202M | 4,570 | 3.1% | 1.8% |
| Bollinger County | Missouri | $177M | 10,646 | 2.7% | 2.9% |
Recruiting in the Cape Girardeau-Sikeston market
No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.
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