Market Intelligence

Columbia-Jefferson City-Moberly, MO

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Columbia-Jefferson City-Moberly, MO

Columbia-Jefferson City-Moberly, MO, a Combined Statistical Area, 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 13.9% since 2020 while the branch count fell by 3.4%.

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
Total Deposits
$14.0B
#102 of 293
Deposits per Capita
$33,269
#82 of 293
Deposits per Branch
$83M
#229 of 293
Competitive structure
Insured Institutions
41
#56 of 293
Branches per 100k Pop.
40.2
#19 of 293
Median Deposits per Institution
$126M
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
89.9%
of market deposits held by banks with $100M to $50B in assets. #15 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 Deposit Share: moderate
55.3%
The combined deposit share of the three largest institutions 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

Total market deposits (nominal), 2020 to 2025 +13.9% over 5 years
$12.3B
2020
$13.5B
2021
$13.7B
2022
$13.4B
2023
$13.8B
2024
$14.0B
2025

Branches: 175 in 2020 to 169 in 2025. Institutions: 52 to 41. Top-three share: 40.5% to 55.4%. Deposits per branch: $83M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
The Central Trust Bank$6.0B43.1%47+170%
Commerce Bank$1.1B7.5%9+10%
Hawthorn Bank$0.7B4.8%7+6%
Mid America Bank$0.7B4.8%7+30%
Simmons Bank$0.6B4.0%6-34%
Bank of America$0.4B3.0%2+1%
The Callaway Bank$0.4B2.9%7+12%
First State Community Bank$0.4B2.7%7+98%
Legends Bank$0.4B2.5%7+24%
The Bank of Missouri$0.3B2.4%4+9%
U.S. Bank$334M2.4%4+28%
Midwest Independent BankersBank$292M2.1%1+34%
UMB Bank$271M1.9%3+65%
Exchange Bank of Missouri$217M1.5%4+89%
First Mid Bank & Trust$209M1.5%5no 2020 presence
Community Point Bank$165M1.2%2+37%
The Tipton Latham Bank$164M1.2%2+26%
Commercial Trust Company of Fayette$137M1.0%2+12%
Regional Missouri Bank$137M1.0%3-2%
First Midwest Bank of the Ozarks$135M1.0%2+28%
Regions Bank$126M0.9%3+5%
Citizens Community Bank$123M0.9%3+22%
United Security Bank$78M0.6%3+42%
BTC Bank$77M0.5%3+195%
Midwest Regional Bank$71M0.5%1+20%
Peoples Bank of Moniteau County$71M0.5%2+42%
Farmers Bank of Lohman, Missouri$67M0.5%2+9%
HomeBank$63M0.4%2+232%
Alliant Bank$56M0.4%3+31%
County Bank$54M0.4%1+12%
Tri-County Trust Company$46M0.3%1-15%
Connections Bank$39M0.3%4no 2020 presence
Academy Bank$38M0.3%2+41%
Heritage Community Bank$36M0.3%1+54%
Southern Bank$33M0.2%1no 2020 presence
Sullivan Bank$30M0.2%1no 2020 presence
The Maries County Bank$23M0.2%1+29%
Peoples Savings Bank of Rhineland$20M0.1%1no 2020 presence
Great Southern Bank$17M0.1%1+43%
The Missouri Bank$8M0.1%1+39%
Equity Bank$6M0.0%1no 2020 presence

The 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. 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

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
Boone CountyMissouri$10.9B191,74648.3%40.0%
Cole CountyMissouri$5.8B77,90825.8%34.0%
Callaway CountyMissouri$2.1B45,7659.2%5.0%
Randolph CountyMissouri$1.2B24,5135.4%3.6%
Audrain CountyMissouri$904M24,5284.0%3.7%
Moniteau CountyMissouri$513M15,4282.3%3.4%
Cooper CountyMissouri$478M17,1362.1%3.5%
Osage CountyMissouri$459M13,6112.0%4.3%
Howard CountyMissouri$219M10,1801.0%2.6%

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.