Columbia-Jefferson City-Moberly, MO holds $14.0 billion in deposits across 41 insured institutions and 169 branches, ranking #121 of 293 U.S. markets by economic output. The Central Trust Bank is the largest deposit holder at 43.1% share. The top three institutions hold 55.4% of deposits, which places the market in the moderate band. Deposits have grown 14% since 2020 while the branch count fell by 6.
Deposit trend
Branches: 175 in 2020 to 169 in 2025. Institutions: 52 to 41. Top-three share: 40.5% to 55.4%. Deposits per branch: $83M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Central Trust Bank | 6.0B | 43.1% | +170% |
| Commerce Bank | 1.1B | 7.5% | +10% |
| Hawthorn Bank | 0.7B | 4.8% | +6% |
| Mid America Bank | 0.7B | 4.8% | +30% |
| Simmons Bank | 0.6B | 4.0% | -34% |
| Bank of America | 0.4B | 3.0% | +1% |
| The Callaway Bank | 0.4B | 2.9% | +12% |
| First State Community Bank | 0.4B | 2.7% | +98% |
| Legends Bank | 0.4B | 2.5% | +24% |
| The Bank of Missouri | 0.3B | 2.4% | +9% |
The 10 largest of 41 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution's deposits in 2020 and 2025; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Boone County | Missouri | $10,935M | 191,746 | 48.3% |
| Cole County | Missouri | $5,833M | 77,908 | 25.8% |
| Callaway County | Missouri | $2,077M | 45,765 | 9.2% |
| Randolph County | Missouri | $1,232M | 24,513 | 5.4% |
| Audrain County | Missouri | $904M | 24,528 | 4.0% |
| Moniteau County | Missouri | $513M | 15,428 | 2.3% |
| Cooper County | Missouri | $478M | 17,136 | 2.1% |
| Osage County | Missouri | $459M | 13,611 | 2.0% |
| Howard County | Missouri | $218M | 10,180 | 1.0% |
Recruiting in Columbia
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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, on a retained basis.
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