County banking markets / MO / 29047
ClayMissouri
FIPS 29047. 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 (551) and unconcentrated on deposits (728).
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
47 branch offices and 23 institutions in 1994; 65 and 27 in 2025. Deposits booked in the county went from $1.68B to $5.86B, 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 | Bank of America, National Association cert 3510 | $939.7M | 16.05% | 4 | 6.15% |
| 2 | Commerce Bank cert 24998 | $618.8M | 10.57% | 4 | 6.15% |
| 3 | The Central Trust Bank cert 12633 | $520.0M | 8.88% | 9 | 13.85% |
| 4 | NBH Bank cert 59052 | $387.9M | 6.62% | 3 | 4.62% |
| 5 | Security Bank of Kansas City cert 4705 | $338.1M | 5.77% | 4 | 6.15% |
| 6 | UMB Bank, National Association cert 8273 | $334.5M | 5.71% | 3 | 4.62% |
| 7 | North American Savings Bank, F.S.B. cert 29708 | $324.2M | 5.54% | 2 | 3.08% |
| 8 | U.S. Bank National Association cert 6548 | $300.3M | 5.13% | 3 | 4.62% |
| 9 | Kearney Trust Company cert 9794 | $281.4M | 4.81% | 2 | 3.08% |
| 10 | Pony Express Bank cert 4526 | $278.4M | 4.75% | 1 | 1.54% |
| 11 | Academy Bank, National Association cert 19600 | $243.1M | 4.15% | 4 | 6.15% |
| 12 | BMO Bank National Association cert 16571 | $242.2M | 4.14% | 3 | 4.62% |
| 13 | Verimore Bank cert 28930 | $197.7M | 3.38% | 2 | 3.08% |
| 14 | Southern Bank cert 28332 | $145.0M | 2.48% | 3 | 4.62% |
| 15 | Clay County Savings Bank cert 29764 | $114.7M | 1.96% | 3 | 4.62% |
| 16 | Arvest Bank cert 8728 | $99.9M | 1.71% | 2 | 3.08% |
| 17 | Capitol Federal Savings Bank cert 27981 | $75.8M | 1.29% | 2 | 3.08% |
| 18 | Country Club Bank cert 8888 | $75.0M | 1.28% | 1 | 1.54% |
| 19 | NBKC Bank cert 35014 | $69.6M | 1.19% | 1 | 1.54% |
| 20 | JPMorgan Chase Bank, National Association cert 628 | $65.3M | 1.11% | 2 | 3.08% |
| 21 | First Federal Bank of Kansas City cert 29047 | $65.0M | 1.11% | 1 | 1.54% |
| 22 | The Nodaway Valley Bank cert 8904 | $43.8M | 0.75% | 1 | 1.54% |
| 23 | Hawthorn Bank cert 10619 | $34.8M | 0.59% | 1 | 1.54% |
| 24 | Goppert Financial Bank cert 8569 | $22.7M | 0.39% | 1 | 1.54% |
| 25 | Community Bank of Missouri cert 57141 | $21.6M | 0.37% | 1 | 1.54% |
| 26 | The Union State Bank of Everest cert 18610 | $12.1M | 0.21% | 1 | 1.54% |
| 27 | Farmers State Bank cert 13897 | $4.6M | 0.08% | 1 | 1.54% |
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.