County banking markets / MO / 29165
PlatteMissouri
FIPS 29165. 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 (760) and unconcentrated on deposits (1,015).
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 13 institutions in 1994; 31 and 18 in 2025. Deposits booked in the county went from $382.6M to $2.25B, 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 | $453.5M | 20.14% | 5 | 16.13% |
| 2 | U.S. Bank National Association cert 6548 | $281.9M | 12.52% | 2 | 6.45% |
| 3 | Connections Bank cert 14025 | $232.0M | 10.31% | 3 | 9.68% |
| 4 | Bank of Weston cert 1418 | $204.8M | 9.10% | 3 | 9.68% |
| 5 | Commerce Bank cert 24998 | $201.8M | 8.96% | 2 | 6.45% |
| 6 | Bank of America, National Association cert 3510 | $192.3M | 8.54% | 1 | 3.23% |
| 7 | North American Savings Bank, F.S.B. cert 29708 | $134.0M | 5.95% | 2 | 6.45% |
| 8 | UMB Bank, National Association cert 8273 | $130.8M | 5.81% | 1 | 3.23% |
| 9 | First Federal Bank of Kansas City cert 29047 | $63.0M | 2.80% | 1 | 3.23% |
| 10 | The Nodaway Valley Bank cert 8904 | $60.2M | 2.68% | 1 | 3.23% |
| 11 | BMO Bank National Association cert 16571 | $59.3M | 2.63% | 1 | 3.23% |
| 12 | Southern Bank cert 28332 | $59.2M | 2.63% | 1 | 3.23% |
| 13 | Capitol Federal Savings Bank cert 27981 | $49.7M | 2.21% | 1 | 3.23% |
| 14 | JPMorgan Chase Bank, National Association cert 628 | $42.2M | 1.88% | 2 | 6.45% |
| 15 | Academy Bank, National Association cert 19600 | $24.3M | 1.08% | 1 | 3.23% |
| 16 | Security Bank of Kansas City cert 4705 | $23.1M | 1.02% | 2 | 6.45% |
| 17 | Equity Bank cert 25858 | $22.1M | 0.98% | 1 | 3.23% |
| 18 | Exchange Bank & Trust cert 4619 | $17.0M | 0.76% | 1 | 3.23% |
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.