Market Intelligence

Columbia-Jefferson City-Moberly, MO

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Columbia-Jefferson City-Moberly, MO

Columbia-Jefferson City-Moberly, MO, a Combined Statistical Area, holds $15.5 billion in deposits across 41 insured institutions and 158 branches, and ranks #121 of 293 U.S. markets by economic output. The Central Trust Bank is the largest deposit holder at 44.2% share. The top three banks hold 57% of deposits, which places the market in the Moderate band. Deposits have grown 14.7% since 2021 while the branch count fell by 8.7%.

Economic scale
2024 Real GDP
$22.6B
#121 of 293
Population
421K
#125 of 293
GDP per Capita
$53,822
#141 of 293
Deposit market
Deposits (SOD, 6/30/26)
$15.5B
#97 of 293
Deposits per Capita
$36,744
#67 of 293
Deposits per Branch
$98M
#190 of 293
Competitive structure
Insured Institutions
41
#54 of 293
Branches per 100k Pop.
37.5
#28 of 293
Median Deposits per Institution
$135M
The median deposits booked by a single institution in the market. #236 of 293. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
92.3%
of market deposits held by banks with $100M to $100B in assets. #16 of 293. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Moderate
57%
The combined deposit share of the top three banks by deposits in the market. A lower share means deposits are spread across more institutions.

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

Market Deposits (SOD, 2021 to 2026) +14.7% over 5 years
$13.5B
2021
$13.7B
2022
$13.4B
2023
$13.7B
2024
$14.1B
2025
$15.5B
2026

Branches: 173 in 2021 to 158 in 2026. Institutions: 52 to 41. Top-three share: 43% to 57%. Average deposits per branch: $98M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
The Central Trust Bank$6.8B44.2%36+20%
Commerce Bank$1.1B7.3%9-6%
Mid America Bank$892M5.8%7+83%
Hawthorn Bank$713M4.6%7+15%
Simmons Bank$572M3.7%6-37%
The Callaway Bank$430M2.8%6+7%
Bank of America$429M2.8%2-7%
First State Community Bank$403M2.6%7+52%
Legends Bank$367M2.4%7+26%
U.S. Bank$348M2.3%4+23%
The Bank of Missouri$332M2.1%4-11%
BTC Bank$321M2.1%7+28%
UMB Bank$278M1.8%3+25%
Midwest Independent BankersBank$259M1.7%1+28%
Exchange Bank of Missouri$242M1.6%4+76%
First Mid Bank & Trust$204M1.3%4-30%
Community Point Bank$190M1.2%2+49%
Commercial Trust Company of Fayette$145M0.9%2+1%
Regional Missouri Bank$139M0.9%3-20%
First Midwest Bank of the Ozarks$138M0.9%2+35%
Regions Bank$135M0.9%3-5%
Citizens Community Bank$126M0.8%3+15%
United Security Bank$81M0.5%3+9%
Peoples Bank of Moniteau County$73M0.5%2+30%
HomeBank$73M0.5%2+130%
Midwest Regional Bank$72M0.5%1+13%
Farmers Bank of Lohman, Missouri$70M0.5%2+4%
Alliant Bank$58M0.4%3+31%
County Bank$56M0.4%1-6%
Sullivan Bank$49M0.3%1no 2021 presence
Connections Bank$46M0.3%3+19%
Flat Branch Bank$42M0.3%1no 2021 presence
PSB Bank$41M0.3%1no 2021 presence
Heritage Community Bank$39M0.3%1+42%
Academy Bank$35M0.2%2+62%
Southern Bank$34M0.2%1-5%
The Maries County Bank$25M0.2%1+14%
Great Southern Bank$16M0.1%1+12%
The Missouri Bank$10M0.1%1+61%
Investors Community Bank$8M0.1%1no 2021 presence
Equity Bank$6M<0.1%1-45%

The 41 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Boone CountyMissouri$10.9B191,74648.3%37.8%
Cole CountyMissouri$5.8B77,90825.8%38.3%
Callaway CountyMissouri$2.1B45,7659.2%4.7%
Randolph CountyMissouri$1.2B24,5135.4%3.3%
Audrain CountyMissouri$904M24,5284.0%3.3%
Moniteau CountyMissouri$513M15,4282.3%3.1%
Cooper CountyMissouri$478M17,1362.1%3.3%
Osage CountyMissouri$459M13,6112.0%3.7%
Howard CountyMissouri$219M10,1801.0%2.5%

Recruiting in the Columbia-Jefferson City-Moberly market

Deposits are moderately concentrated here, held by a mix of institutions rather than dominated by one. 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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Other markets in Missouri

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.