County banking markets / MO / 29071
FranklinMissouri
FIPS 29071. 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 (851) and unconcentrated on deposits (1,277).
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
32 branch offices and 16 institutions in 1994; 41 and 17 in 2025. Deposits booked in the county went from $976.8M to $3.83B, 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 Washington cert 12627 | $887.9M | 23.19% | 6 | 14.63% |
| 2 | SULLIVAN BANK cert 8892 | $650.8M | 17.00% | 5 | 12.20% |
| 3 | United Bank of Union cert 14334 | $470.9M | 12.30% | 3 | 7.32% |
| 4 | Bank of Franklin County cert 35543 | $322.9M | 8.44% | 4 | 9.76% |
| 5 | First State Community Bank cert 17323 | $306.5M | 8.01% | 4 | 9.76% |
| 6 | Citizens Bank cert 14488 | $303.9M | 7.94% | 4 | 9.76% |
| 7 | U.S. Bank National Association cert 6548 | $278.4M | 7.27% | 3 | 7.32% |
| 8 | Farmers and Merchants Bank of St. Clair cert 14056 | $182.1M | 4.76% | 2 | 4.88% |
| 9 | Heritage Community Bank cert 15282 | $153.5M | 4.01% | 2 | 4.88% |
| 10 | Bank Star cert 21897 | $78.6M | 2.05% | 1 | 2.44% |
| 11 | Peoples Bank cert 12230 | $40.1M | 1.05% | 1 | 2.44% |
| 12 | Peoples Savings Bank of Rhineland cert 15264 | $39.1M | 1.02% | 1 | 2.44% |
| 13 | PNC Bank, National Association cert 6384 | $34.5M | 0.90% | 1 | 2.44% |
| 14 | Midland States Bank cert 1040 | $31.6M | 0.83% | 1 | 2.44% |
| 15 | FCNB Bank cert 1639 | $26.1M | 0.68% | 1 | 2.44% |
| 16 | Legends Bank cert 12616 | $18.1M | 0.47% | 1 | 2.44% |
| 17 | JPMorgan Chase Bank, National Association cert 628 | $2.9M | 0.08% | 1 | 2.44% |
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.