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Cloud County, KS Bank Deposit Market Share

United Bank & Trust holds the largest share of deposits in Cloud County, KS, 26.7%, followed by Central National Bank (25.8%) and The Citizens National Bank (18.6%). 7 institutions hold $354.4M at 11 offices as of June 30, 2026, up 3.2% from 2025.

Institutions: 7 Offices: 11 Deposits: $354.4M Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Elk State Bank (1.68 points); The Citizens National Bank (0.76 points); United Bank & Trust (0.52 points).

Lost: Central National Bank (-2.38 points); Citizens State Bank and Trust Co., Ellsworth, Kansas (-0.48 points); The First National Bank of Hope (-0.21 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 United Bank & Trust 3 $94.5M 26.65% +0.52 pts 5.3%
2 Central National Bank 1 $91.4M 25.80% -2.38 pts -5.5%
3 The Citizens National Bank 2 $65.9M 18.59% +0.76 pts 7.6%
4 Elk State Bank 2 $64.5M 18.21% +1.68 pts 13.8%
5 The First National Bank of Hope 1 $15.1M 4.27% -0.21 pts -1.5%
6 Guaranty State Bank and Trust Company 1 $15.1M 4.25% +0.09 pts 5.6%
7 Citizens State Bank and Trust Co., Ellsworth, Kansas 1 $7.9M 2.24% -0.48 pts -15.0%

About this list

Deposits are those held at each institution's offices in Cloud County as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Wider markets

Deposit market share in Kansas Kansas bank directory

Other counties in Kansas

Johnson CountySedgwick CountyShawnee CountyDouglas CountyRiley CountyWyandotte CountySaline CountyButler CountyLeavenworth CountyReno CountyEllis CountyMcpherson CountyNemaha CountyBarton CountyFinney CountyCrawford CountyPottawatomie CountyCowley CountyHarvey CountyMiami CountyFord CountyLyon CountyGeary CountyMarshall CountyMontgomery CountyFranklin CountySumner CountyThomas CountyScott CountyNeosho CountyLabette CountyAtchison CountyDickinson CountyAllen CountySeward CountyPratt CountyMitchell CountyJackson CountyCherokee CountyCoffey County

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