Topeka, KS, a Metropolitan Statistical Area, holds $7.1 billion in deposits across 30 insured institutions and 87 branches, and ranks #170 of 293 U.S. markets by economic output. Capitol Federal Savings Bank is the largest deposit holder at 32.6% share. The top three banks hold 52% of deposits, which places the market in the Moderate band. Deposits have grown 15.1% since 2021 while the branch count fell by 13.9%.

Economic scale

2024 Real GDP

$12.6B

#170 of 293

Population

233K

#182 of 293

GDP per Capita

$53,947

#138 of 293

Deposit market

Deposits (SOD, 6/30/26)

$7.1B

#155 of 293

Deposits per Capita

$30,542

#113 of 293

Deposits per Branch

$82M

#243 of 293

Competitive structure

Insured Institutions

#86 of 293

Branches per 100k Pop.

37.3

#31 of 293

Median Deposits per Institution

$95M

The median deposits booked by a single institution in the market. #277 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

92.9%

of market deposits held by banks with $100M to $100B in assets. #13 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

52%

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) +15.1% over 5 years

$6.2B

2021

$6.3B

2022

$5.9B

2023

$5.9B

2024

$6.6B

2025

$7.1B

2026

Branches: 101 in 2021 to 87 in 2026. Institutions: 33 to 30. Top-three share: 52% to 52%. Average deposits per branch: $82M.

Institutions by deposits

Institution	Deposits	Share	Branches	5‑yr deposits
Capitol Federal Savings Bank	$2.3B	32.6%	10	+17%
CoreFirst Bank & Trust	$981M	13.8%	10	+16%
Silver Lake Bank	$422M	5.9%	4	+42%
U.S. Bank	$397M	5.6%	4	+6%
The Denison State Bank	$369M	5.2%	5	+10%
UMB Bank	$357M	5.0%	1	+3%
Kaw Valley Bank	$283M	4.0%	7	-1%
Heritage Bank	$279M	3.9%	3	+31%
The Bennington State Bank	$207M	2.9%	5	-10%
Community Bank	$163M	2.3%	1	+43%
Intrust Bank	$141M	2.0%	1	+85%
Equity Bank	$121M	1.7%	2	+1%
Landmark National Bank	$106M	1.5%	4	+22%
Community National Bank	$103M	1.4%	1	-32%
The Stockgrowers State Bank	$95M	1.3%	4	+29%
The Union State Bank of Everest	$95M	1.3%	2	+17%
The Lyndon State Bank	$85M	1.2%	3	+17%
The Kansas State Bank Overbrook Kansas	$84M	1.2%	2	+27%
The Farmers State Bank	$74M	1.0%	1	+23%
The First Security Bank	$59M	0.8%	2	+12%
GNBank	$58M	0.8%	2	+5%
Central National Bank	$54M	0.8%	3	+33%
First State Bank and Trust	$52M	0.7%	1	+17%
Bank of the Flint Hills	$51M	0.7%	2	+91%
Kendall Bank	$49M	0.7%	2	no 2021 presence
Ventura National Bank & Trust	$33M	0.5%	1	+122%
Mutual Savings Association	$32M	0.4%	1	+30%
The Citizens State Bank	$23M	0.3%	1	-31%
Farmers and Drovers Bank	$16M	0.2%	1	+11%
First National Bank of Kansas	$9M	0.1%	1	-3%

The 30 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

County	State	GDP	Population	Share of Market GDP	Share of Market Deposits
Shawnee County	Kansas	$11.4B	178,607	90.9%	81.9%
Jefferson County	Kansas	$362M	18,296	2.9%	4.2%
Jackson County	Kansas	$337M	13,438	2.7%	5.8%
Osage County	Kansas	$308M	15,693	2.5%	5.5%
Wabaunsee County	Kansas	$132M	7,018	1.0%	2.6%

Recruiting in the Topeka 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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Deposit trend

Institutions by deposits

Counties in this market

Recruiting in the Topeka market

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