Market Intelligence

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

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › Kansas City-Overland Park-Kansas City, MO-KS

Kansas City-Overland Park-Kansas City, MO-KS, a Combined Statistical Area, holds $108.6 billion in deposits across 127 insured institutions and 782 branches, ranking #33 of 293 U.S. markets by economic output. UMB Bank is the largest deposit holder at 33.1% share. The top three institutions hold 49.1% of deposits, which places the market in the moderate band. Deposits have grown 36.0% since 2020 while the branch count fell by 4.6%.

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
Total Deposits
$108.6B
#30 of 293
Deposits per Capita
$41,611
#42 of 293
Deposits per Branch
$139M
#75 of 293
Competitive structure
Insured Institutions
127
#6 of 293
Branches per 100k Pop.
30.0
#85 of 293
Median Deposits per Institution
$155M
The median deposits booked by a single institution in the market. #208 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
50.5%
of market deposits held by banks with $100M to $50B in assets. #168 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
49.1%
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 +36.0% over 5 years
$79.9B
2020
$90.4B
2021
$94.6B
2022
$95.7B
2023
$97.1B
2024
$108.6B
2025

Branches: 820 in 2020 to 782 in 2025. Institutions: 136 to 127. Top-three share: 40.7% to 49.1%. Deposits per branch: $139M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
UMB Bank$36.0B33.1%40+110%
Commerce Bank$10.9B10.0%45+15%
U.S. Bank$6.4B5.9%47+18%
Bank of America$5.9B5.4%31-1%
Capitol Federal Savings Bank$3.5B3.2%23+2%
The Central Trust Bank$3.4B3.1%57no 2020 presence
Security Bank of Kansas City$3.0B2.7%36+11%
Busey Bank$2.2B2.0%3no 2020 presence
NBH Bank$2.1B2.0%27-8%
Country Club Bank$1.9B1.8%23+17%
North American Savings Bank, F.S.B.$1.9B1.7%10+1%
BMO Bank$1.6B1.5%21-12%
Lead Bank$1.5B1.4%2+268%
BOKF$1.5B1.4%5+51%
Academy Bank$1.4B1.3%30+8%
Enterprise Bank & Trust$1.1B1.0%7+4%
First National Bank of Omaha$1.0B0.9%10+28%
Bank of Labor$1.0B0.9%6+60%
Arvest Bank$997M0.9%20+51%
NBKC Bank$923M0.9%4+16%
The Nodaway Valley Bank$831M0.8%7+42%
Intrust Bank$745M0.7%6+77%
Blue Ridge Bank and Trust Co.$690M0.6%8+27%
First Federal Bank of Kansas City$675M0.6%9+16%
First Option Bank$644M0.6%9+56%
Wells Fargo Bank$634M0.6%5-53%
Equity Bank$621M0.6%12+8%
JPMorgan Chase Bank$577M0.5%22+1,065%
Exchange Bank & Trust$517M0.5%10+25%
Armed Forces Bank$481M0.4%2+39%
Bank of Odessa$471M0.4%3+96%
Landmark National Bank$442M0.4%10+90%
Oakstar Bank$432M0.4%5+1,994%
Great American Bank$418M0.4%5+134%
Hawthorn Bank$411M0.4%7+44%
First State Bank and Trust$386M0.4%6+37%
F & C Bank$380M0.4%3+70%
Mid-America Bank$380M0.3%5+77%
Southern Bank$372M0.3%8no 2020 presence
Community Bank of Raymore$362M0.3%3+30%
Union Bank and Trust Company$330M0.3%2+65%
Cornerstone Bank$327M0.3%1+56%
Pony Express Bank$308M0.3%2+75%
Central Bank of Kansas City$297M0.3%2+35%
Great Southern Bank$296M0.3%9+7%
Kearney Trust Company$281M0.3%2+32%
PNC Bank$281M0.3%3+206%
Sunflower Bank$273M0.3%3+69%
Simmons Bank$264M0.2%3+114%
Connections Bank$254M0.2%4+52%
The Union State Bank of Everest$212M0.2%4+31%
Mutual Savings Association$212M0.2%5+51%
Bank of Weston$205M0.2%3+29%
Farmers State Bank$200M0.2%4+50%
Verimore Bank$198M0.2%2+40%
The Kansas State Bank$183M0.2%3+28%
Community First Bank$180M0.2%3+25%
TBO Bank$177M0.2%1+441%
Community National Bank$171M0.2%3+102%
Goppert Financial Bank$166M0.2%3+31%
Adrian Bank$164M0.2%3+21%
Pinnacle Bank$164M0.2%1+118%
Outdoor Bank$158M0.1%1no 2020 presence
Community Bank of Pleasant Hill$155M0.1%1+69%
Bank Northwest$147M0.1%3+26%
The First National Bank of Louisburg$146M0.1%3+17%
First-Citizens Bank & Trust Company$141M0.1%2+13%
Bank of Prairie Village$140M0.1%1+24%
Citizens Federal Savings Bank$140M0.1%3+4%
Kendall Bank$135M0.1%2+177%
Citizens Bank$134M0.1%7+13%
State Bank of Missouri$130M0.1%4+30%
First Business Bank$124M0.1%1+13%
BTC Bank$123M0.1%5+318%
Patriots Bank$119M0.1%3+111%
TriCentury Bank$116M0.1%3+51%
HNB National Bank$116M0.1%3+74%
Clay County Savings Bank$115M0.1%3-5%
Fusion Bank$107M0.1%1+374%
The Hamilton Bank$106M0.1%3+31%
Farmers Bank & Trust$105M0.1%2+58%
Independent Farmers Bank$100M0.1%2+15%
First Federal Savings and Loan Bank$98M0.1%1+24%
The Baldwin State Bank$97M0.1%2+18%
The Bendena State Bank$94M0.1%2+51%
First Interstate Bank$88M0.1%2-39%
Concordia Bank of Concordia, Missouri$87M0.1%3+39%
The Bank of Grain Valley$84M0.1%20%
Flat Branch Bank$84M0.1%1+154%
Bison State Bank$81M0.1%1no 2020 presence
Wood & Huston Bank$79M0.1%1+125%
Community Bank of Missouri$78M0.1%2+47%
Small Business Bank$74M0.1%1+18%
Labette Bank$73M0.1%2+5%
The Farmers State Bank$73M0.1%1+33%
Central National Bank$70M0.1%4-2%
Kaw Valley State Bank$70M0.1%1+33%
Preferred Bank$68M0.1%2+17%
CoreFirst Bank & Trust$68M0.1%2+29%
Emprise Bank$64M0.1%2+117%
Sherwood Community Bank$63M0.1%3+35%
Fidelity Bank$59M0.1%1-13%
The Citizens National Bank$58M0.1%2+24%
Bank 21$58M0.1%1+80%
Farmers and Merchants Bank of Mound City, Kansas$57M0.1%1+42%
First Security Bank$55M0.1%2+64%
Argentine Federal Savings$54M0.0%2+15%
Community National Bank & Trust$49M0.0%1no 2020 presence
Goppert State Service Bank$49M0.0%2+40%
Sterling Bank$45M0.0%1no 2020 presence
America's Community Bank$44M0.0%1+49%
Community Bank of Marshall$40M0.0%2+197%
Liberty Bank and Trust Company$39M0.0%2-16%
The First Security Bank$30M0.0%2+98%
The Farmers State Bank of Blue Mound$30M0.0%2+15%
Core Bank$29M0.0%1-31%
First Heritage Bank$25M0.0%1-23%
Omb Bank$23M0.0%1no 2020 presence
Silver Lake Bank$19M0.0%2+194%
Bank of Denton$17M0.0%1+15%
Prescott State Bank$14M0.0%1+28%
RCB Bank$13M0.0%2+58%
First State Bank of St. Charles, Missouri$12M0.0%1no 2020 presence
The Citizens State Bank and Trust Company$7M0.0%1no 2020 presence
National Advisors Trust Company$0M0.0%10%
State Street Bank and Trust Company$0M0.0%1no 2020 presence
Midwest Heritage Bank, FSB$0M0.0%1no 2020 presence

The 127 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
Johnson CountyKansas$54.1B636,90632.7%24.9%
Jackson CountyMissouri$52.1B732,99431.5%50.4%
Clay CountyMissouri$14.2B265,0328.6%5.4%
Wyandotte CountyKansas$12.1B170,5977.3%2.2%
Platte CountyMissouri$7.4B114,4004.5%2.1%
Douglas CountyKansas$5.5B120,9203.3%3.2%
Buchanan CountyMissouri$5.2B83,5403.1%2.3%
Cass CountyMissouri$3.2B115,8592.0%1.9%
Leavenworth CountyKansas$3.1B84,5901.9%1.6%
Johnson CountyMissouri$2.0B56,6701.2%1.0%
Miami CountyKansas$1.1B36,2400.7%0.8%
Lafayette CountyMissouri$867M33,5310.5%0.8%
Franklin CountyKansas$855M26,2990.5%0.6%
Atchison CountyKansas$648M16,1720.4%0.5%
Ray CountyMissouri$499M23,3980.3%0.5%
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%0.2%
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.