Market Intelligence

Kansas City-Overland Park-Kansas City, MO-KS

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › Kansas City-Overland Park-Kansas City, MO-KS

Kansas City-Overland Park-Kansas City, MO-KS, a Combined Statistical Area, holds $108.2 billion in deposits across 123 insured institutions and 773 branches, and ranks #33 of 293 U.S. markets by economic output. UMB Bank is the largest deposit holder at 32.0% share. The top three banks hold 48% of deposits, which places the market in the Moderate band. Deposits have grown 19.7% since 2021 while the branch count fell by 3.3%.

Economic scale
2024 Real GDP
$165.2B
#33 of 293
Population
2.61M
#32 of 293
GDP per Capita
$63,303
#67 of 293
Deposit market
Deposits (SOD, 6/30/26)
$108.2B
#31 of 293
Deposits per Capita
$41,460
#43 of 293
Deposits per Branch
$140M
#75 of 293
Competitive structure
Insured Institutions
123
#6 of 293
Branches per 100k Pop.
29.6
#86 of 293
Median Deposits per Institution
$173M
The median deposits booked by a single institution in the market. #190 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
85.3%
of market deposits held by banks with $100M to $100B in assets. #38 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
48%
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) +19.7% over 5 years
$90.4B
2021
$94.6B
2022
$95.7B
2023
$97.1B
2024
$108.6B
2025
$108.2B
2026

Branches: 799 in 2021 to 773 in 2026. Institutions: 140 to 123. Top-three share: 43% to 48%. Average deposits per branch: $140M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
UMB Bank$34.6B32.0%39+56%
Commerce Bank$10.7B9.9%430%
U.S. Bank$6.4B5.9%45+11%
Bank of America$5.9B5.5%30-14%
The Central Trust Bank$3.5B3.3%56-2%
Capitol Federal Savings Bank$3.5B3.3%23-6%
Security Bank of Kansas City$3.2B2.9%34+8%
First National Bank of Omaha$2.9B2.7%30+2%
Lead Bank$2.5B2.3%2+275%
NBH Bank$2.2B2.0%24-17%
North American Savings Bank, F.S.B.$1.9B1.7%10+28%
BOKF$1.5B1.4%5+2%
Academy Bank$1.5B1.4%30+25%
Enterprise Bank & Trust$1.3B1.2%9+9%
BMO Bank$1.2B1.1%21-32%
Busey Bank$1.1B1.1%3-33%
Bank of Labor$1.0B1.0%6+45%
nbkc bank$1.0B0.9%4+14%
Arvest Bank$972M0.9%20+29%
The Nodaway Valley Bank$923M0.9%7+31%
Intrust Bank$753M0.7%6+31%
JPMorgan Chase Bank$721M0.7%25+418%
Blue Ridge Bank and Trust Co.$714M0.7%8+15%
First Option Bank$697M0.6%9+42%
First Federal Bank of Kansas City$694M0.6%9+14%
Wells Fargo Bank$652M0.6%5-38%
Equity Bank$650M0.6%12-9%
Exchange Bank & Trust$540M0.5%10+15%
Bank of Odessa$506M0.5%3+38%
Oakstar Bank$485M0.4%4+101%
Landmark National Bank$476M0.4%10+8%
Great American Bank$421M0.4%5+50%
F & C Bank$421M0.4%3+69%
Armed Forces Bank$418M0.4%2+7%
First State Bank and Trust$406M0.4%6+26%
HNB National Bank$403M0.4%5+26%
Hawthorn Bank$391M0.4%7+23%
Mid-America Bank$388M0.4%5+58%
Southern Bank$383M0.4%8-5%
Verimore Bank$344M0.3%5+26%
Pony Express Bank$343M0.3%2+32%
Central Bank of Kansas City$337M0.3%2+19%
Community Bank of Raymore$331M0.3%3-6%
Union Bank and Trust Company$316M0.3%2+50%
Cornerstone Bank$298M0.3%1+17%
Great Southern Bank$285M0.3%9-17%
Sunflower Bank$284M0.3%3+59%
Simmons Bank$279M0.3%3+41%
PNC Bank$279M0.3%3+179%
Connections Bank$263M0.2%4+28%
Bank of Weston$225M0.2%3+25%
The Union State Bank of Everest$225M0.2%4+18%
Mutual Savings Association$224M0.2%5+37%
Farmers State Bank$207M0.2%4+40%
TBO Bank$196M0.2%2+372%
Community First Bank$189M0.2%3-1%
The Kansas State Bank$188M0.2%3+15%
Goppert Financial Bank$187M0.2%4+29%
Outdoor Bank$183M0.2%1+38%
Pinnacle Bank$178M0.2%1+76%
First-Citizens Bank & Trust Company$174M0.2%2+19%
Adrian Bank$173M0.2%3+11%
The First National Bank of Louisburg$171M0.2%3+24%
Community National Bank$166M0.2%3+20%
Bank of Prairie Village$158M0.1%1+44%
First Business Bank$158M0.1%1+73%
Citizens Federal Savings Bank$149M0.1%3+5%
Kendall Bank$138M0.1%2+146%
BTC Bank$138M0.1%5+47%
Bank Northwest$138M0.1%3+10%
TriCentury Bank$135M0.1%3+88%
Citizens Bank$133M0.1%7-5%
Patriots Bank$130M0.1%3+98%
Community Bank of Pleasant Hill$125M0.1%1+15%
State Bank of Missouri$122M0.1%4+4%
Farmers Bank & Trust$118M0.1%2+24%
The Bendena State Bank$115M0.1%3+15%
Fusion Bank$114M0.1%1+225%
The Hamilton Bank$113M0.1%3+23%
The Baldwin State Bank$103M0.1%2+18%
Independent Farmers Bank$97M0.1%2+1%
Concordia Bank of Concordia, Missouri$92M0.1%3+25%
First Federal Savings and Loan Bank$92M0.1%1+19%
Bison State Bank$86M0.1%1no 2021 presence
The Bank of Grain Valley$85M0.1%2-1%
Wood & Huston Bank$84M0.1%1+58%
Community Bank of Missouri$81M0.1%2+19%
The Farmers State Bank$77M0.1%1+27%
Labette Bank$75M0.1%2-9%
Central National Bank$74M0.1%4-7%
The Farmers State Bank of Oakley, Kansas$70M0.1%1+5%
Sherwood Community Bank$68M0.1%3+25%
Bank 21$67M0.1%1+64%
CoreFirst Bank & Trust$66M0.1%2+12%
Preferred Bank$64M0.1%2-5%
Emprise Bank$62M0.1%2+92%
Farmers and Merchants Bank of Mound City, Kansas$60M0.1%1+39%
Sterling Bank$60M0.1%1+705%
Omb Bank$59M0.1%2no 2021 presence
First Security Bank$57M0.1%2+40%
Argentine Federal Savings$56M0.1%2+7%
The Citizens National Bank$54M<0.1%2+6%
Community National Bank & Trust$52M<0.1%1-17%
America's Community Bank$49M<0.1%1+48%
Core Bank$46M<0.1%1+43%
Goppert State Service Bank$46M<0.1%2+18%
Fidelity Bank$43M<0.1%1-36%
Flat Branch Bank$38M<0.1%1-3%
Community Bank of Marshall$37M<0.1%2-2%
Liberty Bank and Trust Company$34M<0.1%2-27%
The Farmers State Bank of Blue Mound$33M<0.1%2+4%
The First Security Bank$30M<0.1%2+138%
First Heritage Bank$27M<0.1%1-3%
Silver Lake Bank$22M<0.1%2+129%
Prescott State Bank$14M<0.1%1+22%
RCB Bank$12M<0.1%2+16%
The Citizens State Bank and Trust Company$11M<0.1%1no 2021 presence
First State Bank of St. Charles, Missouri$10M<0.1%1+71%
National Advisors Trust Company$0M<0.1%10%
First Bank$0M0.0%1no 2021 presence
State Street Bank and Trust Company$0M0.0%1no 2021 presence
Carroll County Trust Company of Carrollton, Missouri$0M0.0%1no 2021 presence
Midwest Heritage Bank, FSB$0M0.0%1no 2021 presence

The 123 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
Johnson CountyKansas$54.1B636,90632.7%24.6%
Jackson CountyMissouri$52.1B732,99431.5%50.2%
Clay CountyMissouri$14.2B265,0328.6%5.4%
Wyandotte CountyKansas$12.1B170,5977.3%2.4%
Platte CountyMissouri$7.4B114,4004.5%2.2%
Douglas CountyKansas$5.5B120,9203.3%3.3%
Buchanan CountyMissouri$5.2B83,5403.1%2.2%
Cass CountyMissouri$3.2B115,8592.0%1.9%
Leavenworth CountyKansas$3.1B84,5901.9%1.5%
Johnson CountyMissouri$2.0B56,6701.2%1.0%
Miami CountyKansas$1.1B36,2400.7%0.9%
Lafayette CountyMissouri$867M33,5310.5%0.9%
Franklin CountyKansas$855M26,2990.5%0.6%
Atchison CountyKansas$648M16,1720.4%0.5%
Ray CountyMissouri$499M23,3980.3%0.3%
Bates CountyMissouri$475M16,5120.3%0.4%
Linn CountyKansas$439M9,9500.3%0.2%
Clinton CountyMissouri$436M21,6610.3%0.5%
DeKalb CountyMissouri$315M9,7950.2%0.3%
Andrew CountyMissouri$302M18,2410.2%0.2%
Doniphan CountyKansas$261M7,5940.2%0.3%
Caldwell CountyMissouri$210M9,0120.1%0.2%

Recruiting in the Kansas City-Overland Park-Kansas City 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 Kansas and 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.