County banking markets / MO / 29051
ColeMissouri
FIPS 29051. 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 (1,510) and highly concentrated on deposits (4,245).
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
28 branch offices and 14 institutions in 1994; 29 and 12 in 2025. Deposits booked in the county went from $1.04B to $4.77B, 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 | $3.02B | 63.30% | 9 | 31.03% |
| 2 | Hawthorn Bank cert 10619 | $530.5M | 11.12% | 4 | 13.79% |
| 3 | Mid America Bank cert 11459 | $345.7M | 7.25% | 2 | 6.90% |
| 4 | Midwest Independent BankersBank cert 25849 | $292.3M | 6.13% | 1 | 3.45% |
| 5 | Community Point Bank cert 14604 | $164.5M | 3.45% | 2 | 6.90% |
| 6 | UMB Bank, National Association cert 8273 | $94.5M | 1.98% | 1 | 3.45% |
| 7 | First Mid Bank & Trust, National Association cert 3705 | $73.8M | 1.55% | 3 | 10.34% |
| 8 | Farmers Bank of Lohman, Missouri cert 8268 | $67.4M | 1.41% | 2 | 6.90% |
| 9 | Legends Bank cert 12616 | $57.1M | 1.20% | 2 | 6.90% |
| 10 | U.S. Bank National Association cert 6548 | $50.3M | 1.05% | 1 | 3.45% |
| 11 | Regions Bank cert 12368 | $44.3M | 0.93% | 1 | 3.45% |
| 12 | SULLIVAN BANK cert 8892 | $30.1M | 0.63% | 1 | 3.45% |
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.