County banking markets / MO / 29019
BooneMissouri
FIPS 29019. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 115 counties in Missouri’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is moderately concentrated on branches (1,590) and moderately concentrated on deposits (1,926).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
40 branch offices and 14 institutions in 1994; 69 and 22 in 2025. Deposits booked in the county went from $1.22B to $5.61B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | The Central Trust Bank cert 12633 | $2.17B | 38.69% | 25 | 36.23% |
| 2 | Commerce Bank cert 24998 | $745.1M | 13.28% | 5 | 7.25% |
| 3 | Simmons Bank cert 3890 | $567.4M | 10.11% | 6 | 8.70% |
| 4 | Bank of America, National Association cert 3510 | $427.9M | 7.63% | 2 | 2.90% |
| 5 | U.S. Bank National Association cert 6548 | $283.4M | 5.05% | 3 | 4.35% |
| 6 | First State Community Bank cert 17323 | $254.9M | 4.54% | 3 | 4.35% |
| 7 | The Bank of Missouri cert 1617 | $213.0M | 3.80% | 2 | 2.90% |
| 8 | The Callaway Bank cert 12223 | $144.0M | 2.57% | 4 | 5.80% |
| 9 | First Mid Bank & Trust, National Association cert 3705 | $135.5M | 2.42% | 2 | 2.90% |
| 10 | First Midwest Bank of the Ozarks cert 19212 | $134.6M | 2.40% | 2 | 2.90% |
| 11 | UMB Bank, National Association cert 8273 | $131.0M | 2.34% | 1 | 1.45% |
| 12 | Hawthorn Bank cert 10619 | $121.4M | 2.16% | 2 | 2.90% |
| 13 | Regions Bank cert 12368 | $81.8M | 1.46% | 2 | 2.90% |
| 14 | HomeBank cert 14492 | $40.4M | 0.72% | 1 | 1.45% |
| 15 | Mid America Bank cert 11459 | $29.2M | 0.52% | 1 | 1.45% |
| 16 | Connections Bank cert 14025 | $28.0M | 0.50% | 2 | 2.90% |
| 17 | Exchange Bank of Missouri cert 1616 | $23.5M | 0.42% | 1 | 1.45% |
| 18 | Academy Bank, National Association cert 19600 | $19.4M | 0.35% | 1 | 1.45% |
| 19 | Commercial Trust Company of Fayette cert 9791 | $17.6M | 0.31% | 1 | 1.45% |
| 20 | BTC Bank cert 10618 | $17.6M | 0.31% | 1 | 1.45% |
| 21 | Great Southern Bank cert 29546 | $16.6M | 0.30% | 1 | 1.45% |
| 22 | The Missouri Bank cert 14036 | $7.6M | 0.14% | 1 | 1.45% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Missouri, or read the methodology for the two HHI constructions and what they cannot tell you.