County banking markets / MO / 29021
BuchananMissouri
FIPS 29021. 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 unconcentrated on branches (947) and moderately concentrated on deposits (1,679).
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
27 branch offices and 12 institutions in 1994; 27 and 14 in 2025. Deposits booked in the county went from $1.08B to $2.46B, 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 Nodaway Valley Bank cert 8904 | $642.6M | 26.10% | 4 | 14.81% |
| 2 | Commerce Bank cert 24998 | $620.0M | 25.19% | 3 | 11.11% |
| 3 | U.S. Bank National Association cert 6548 | $315.1M | 12.80% | 4 | 14.81% |
| 4 | North American Savings Bank, F.S.B. cert 29708 | $229.0M | 9.30% | 1 | 3.70% |
| 5 | UMB Bank, National Association cert 8273 | $202.5M | 8.23% | 2 | 7.41% |
| 6 | Southern Bank cert 28332 | $100.1M | 4.07% | 2 | 7.41% |
| 7 | NBH Bank cert 59052 | $77.8M | 3.16% | 1 | 3.70% |
| 8 | Equity Bank cert 25858 | $57.7M | 2.34% | 3 | 11.11% |
| 9 | Academy Bank, National Association cert 19600 | $47.0M | 1.91% | 2 | 7.41% |
| 10 | BMO Bank National Association cert 16571 | $45.2M | 1.84% | 1 | 3.70% |
| 11 | Farmers State Bank cert 13897 | $36.1M | 1.47% | 1 | 3.70% |
| 12 | HNB National Bank cert 4540 | $34.1M | 1.39% | 1 | 3.70% |
| 13 | Exchange Bank & Trust cert 4619 | $30.7M | 1.25% | 1 | 3.70% |
| 14 | First Option Bank cert 4746 | $23.7M | 0.96% | 1 | 3.70% |
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.