Lists · Deposits by county

Clay County, MO Bank Deposit Market Share

Bank of America, N.A. holds the largest share of deposits in Clay County, MO, 13.7%, followed by Commerce Bank (11.4%) and The Central Trust Bank (9.2%). 26 institutions hold $5.87B at 65 offices as of June 30, 2026, up 0.2% from 2025.

Institutions: 26 Offices: 65 Deposits: $5.87B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: HNB National Bank (5.01 points, new to this market); Verimore Bank (2.48 points); First National Bank of Omaha (1.32 points, new to this market).

Lost: Bank of America, N.A. (-2.37 points); BMO Bank N.A. (-1.93 points); First Federal Bank of Kansas City (-0.15 points).

#	Institution	Offices	Deposits	Market share	Share change from 2025	Deposit change
1	Bank of America, N.A.	3	$802.6M	13.68%	-2.37 pts	-14.6%
2	Commerce Bank	4	$667.6M	11.38%	+0.81 pts	7.9%
3	The Central Trust Bank	9	$541.5M	9.23%	+0.35 pts	4.1%
4	NBH Bank	3	$384.2M	6.55%	-0.07 pts	-0.9%
5	UMB Bank, N.A.	3	$376.3M	6.41%	+0.70 pts	12.5%
6	Verimore Bank	5	$343.8M	5.86%	+2.48 pts	73.9%
7	North American Savings Bank, FSB	2	$334.5M	5.70%	+0.16 pts	3.2%
8	Security Bank of Kansas City	4	$331.8M	5.66%	-0.12 pts	-1.8%
9	Pony Express Bank	1	$316.6M	5.40%	+0.64 pts	13.8%
10	U.S. Bank N.A.	3	$309.4M	5.27%	+0.15 pts	3.1%
11	HNB National Bank	2	$294.1M	5.01%	+5.01 pts	New
12	Academy Bank, N.A.	4	$251.2M	4.28%	+0.13 pts	3.3%
13	Southern Bank	3	$155.4M	2.65%	+0.17 pts	7.2%
14	BMO Bank N.A.	3	$129.3M	2.20%	-1.93 pts	-46.6%
15	Arvest Bank	2	$101.0M	1.72%	+0.02 pts	1.1%
16	Capitol Federal Savings Bank	2	$82.9M	1.41%	+0.12 pts	9.4%
17	JPMorgan Chase Bank, N.A.	3	$80.3M	1.37%	+0.25 pts	23.0%
18	First National Bank of Omaha	1	$77.7M	1.32%	+1.32 pts	New
19	NBKC Bank	1	$72.3M	1.23%	+0.04 pts	3.8%
20	The Nodaway Valley Bank	1	$59.5M	1.01%	+0.27 pts	36.0%
21	First Federal Bank of Kansas City	1	$56.5M	0.96%	-0.15 pts	-13.1%
22	Hawthorn Bank	1	$32.1M	0.55%	-0.05 pts	-7.9%
23	Goppert Financial Bank	1	$24.3M	0.41%	+0.03 pts	7.3%
24	Community Bank of Missouri	1	$20.1M	0.34%	-0.03 pts	-6.7%
25	The Union State Bank of Everest	1	$14.6M	0.25%	+0.04 pts	20.5%
26	Farmers State Bank	1	$7.2M	0.12%	+0.04 pts	55.0%

About this list

Deposits are those held at each institution's offices in Clay 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

Missouri deposits by institution Kansas City, MO-KS metro area Missouri bank directory

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