County banking markets / MO / 29031
Cape GirardeauMissouri
FIPS 29031. 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 (792) and unconcentrated on deposits (835).
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
24 branch offices and 8 institutions in 1994; 35 and 15 in 2025. Deposits booked in the county went from $991.6M to $3.36B, 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 Bank of Missouri cert 1617 | $514.8M | 15.33% | 5 | 14.29% |
| 2 | Wood & Huston Bank cert 1060 | $387.0M | 11.53% | 2 | 5.71% |
| 3 | Montgomery Bank cert 8255 | $327.6M | 9.76% | 3 | 8.57% |
| 4 | Banterra Bank cert 17514 | $254.8M | 7.59% | 1 | 2.86% |
| 5 | U.S. Bank National Association cert 6548 | $253.6M | 7.55% | 3 | 8.57% |
| 6 | First State Community Bank cert 17323 | $239.2M | 7.13% | 3 | 8.57% |
| 7 | Southern Bank cert 28332 | $231.2M | 6.89% | 3 | 8.57% |
| 8 | First Missouri State Bank of Cape County cert 58230 | $200.3M | 5.97% | 3 | 8.57% |
| 9 | Alliance Bank cert 34566 | $174.3M | 5.19% | 2 | 5.71% |
| 10 | Regions Bank cert 12368 | $171.6M | 5.11% | 2 | 5.71% |
| 11 | Commerce Bank cert 24998 | $164.1M | 4.89% | 2 | 5.71% |
| 12 | MRV Banks cert 58619 | $137.9M | 4.11% | 2 | 5.71% |
| 13 | First Midwest Bank of Dexter cert 19001 | $134.9M | 4.02% | 2 | 5.71% |
| 14 | Sterling Bank cert 57813 | $106.1M | 3.16% | 1 | 2.86% |
| 15 | Peoples Bank of Altenburg cert 12226 | $59.8M | 1.78% | 1 | 2.86% |
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.