Joplin-Miami, MO-OK-KS holds $5.4 billion in deposits across 29 insured institutions and 93 branches, ranking #191 of 293 U.S. markets by economic output. Southwest Missouri Bank is the largest deposit holder at 18.4% share. The top three institutions hold 40.7% of deposits, which places the market in the fragmented band. Deposits have grown 16% since 2020 while the branch count fell by 11.
Deposit trend
Branches: 104 in 2020 to 93 in 2025. Institutions: 29 to 29. Top-three share: 44.2% to 40.7%. Deposits per branch: $59M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Southwest Missouri Bank | 1.0B | 18.4% | +32% |
| Arvest Bank | 0.8B | 14.4% | +17% |
| People's Bank of Seneca | 0.4B | 7.9% | +98% |
| U.S. Bank | 0.4B | 7.6% | +19% |
| Community Bank and Trust | 0.4B | 6.7% | +25% |
| Commerce Bank | 0.3B | 5.0% | -57% |
| Pinnacle Bank | 0.2B | 4.2% | +14% |
| The First National Bank and Trust Company of Miami | 0.2B | 3.3% | +19% |
| First Community Bank | 0.2B | 3.2% | +77% |
| American Bank of Baxter Springs | 0.2B | 3.1% | +54% |
The 10 largest of 29 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 |
|---|---|---|---|---|
| Jasper County | Missouri | $5,736M | 127,428 | 57.1% |
| Newton County | Missouri | $2,352M | 62,263 | 23.4% |
| Ottawa County | Oklahoma | $1,118M | 30,438 | 11.1% |
| Cherokee County | Kansas | $835M | 19,105 | 8.3% |
Recruiting in Joplin
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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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