Kansas City-Overland Park-Kansas City, MO-KS 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% since 2020 while the branch count fell by 38.
Deposit trend
Branches: 820 in 2020 to 782 in 2025. Institutions: 136 to 127. Top-three share: 40.7% to 49.1%. Deposits per branch: $139M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| UMB Bank | 36.0B | 33.1% | +110% |
| Commerce Bank | 10.9B | 10.0% | +15% |
| U.S. Bank | 6.4B | 5.9% | +18% |
| Bank of America | 5.9B | 5.4% | -1% |
| Capitol Federal Savings Bank | 3.5B | 3.2% | +2% |
| The Central Trust Bank | 3.4B | 3.1% | new since 2020 |
| Security Bank of Kansas City | 3.0B | 2.7% | +11% |
| Busey Bank | 2.2B | 2.0% | new since 2020 |
| NBH Bank | 2.1B | 2.0% | -8% |
| Country Club Bank | 1.9B | 1.8% | +17% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| Johnson County | Kansas | $54,055M | 636,906 | 32.7% |
| Jackson County | Missouri | $52,072M | 732,994 | 31.5% |
| Clay County | Missouri | $14,182M | 265,032 | 8.6% |
| Wyandotte County | Kansas | $12,131M | 170,597 | 7.3% |
| Platte County | Missouri | $7,353M | 114,400 | 4.5% |
| Douglas County | Kansas | $5,497M | 120,920 | 3.3% |
| Buchanan County | Missouri | $5,161M | 83,540 | 3.1% |
| Cass County | Missouri | $3,222M | 115,859 | 2.0% |
| Leavenworth County | Kansas | $3,121M | 84,590 | 1.9% |
| Johnson County | Missouri | $2,027M | 56,670 | 1.2% |
| Miami County | Kansas | $1,087M | 36,240 | 0.7% |
| Lafayette County | Missouri | $867M | 33,531 | 0.5% |
| Franklin County | Kansas | $855M | 26,299 | 0.5% |
| Atchison County | Kansas | $648M | 16,172 | 0.4% |
| Ray County | Missouri | $498M | 23,398 | 0.3% |
| Bates County | Missouri | $475M | 16,512 | 0.3% |
| Linn County | Kansas | $439M | 9,950 | 0.3% |
| Clinton County | Missouri | $436M | 21,661 | 0.3% |
| DeKalb County | Missouri | $315M | 9,795 | 0.2% |
| Andrew County | Missouri | $302M | 18,241 | 0.2% |
| Doniphan County | Kansas | $261M | 7,594 | 0.2% |
| Caldwell County | Missouri | $210M | 9,012 | 0.1% |
Recruiting in Kansas City
Deposits are neither closely held nor widely dispersed, which usually leaves room for a well-led team to take share without competing head-on with a dominant holder. 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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