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Ray County, MO Bank Deposit Market Share

NBH Bank holds the largest share of deposits in Ray County, MO, 32.2%, followed by Community Bank of Missouri (18.3%) and Tbo Bank (11.6%). 8 institutions hold $330.0M at 8 offices as of June 30, 2026, down 28.2% from 2025.

Institutions: 8 Offices: 8 Deposits: $330.0M Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: NBH Bank (6.51 points); Community Bank of Missouri (6.09 points); Flat Branch Bank (4.25 points).

Lost: Tbo Bank (-27.01 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 NBH Bank 1 $106.4M 32.24% +6.51 pts -10.0%
2 Community Bank of Missouri 1 $60.5M 18.32% +6.09 pts 7.6%
3 Tbo Bank 1 $38.4M 11.63% -27.01 pts -78.4%
4 Flat Branch Bank 1 $37.6M 11.40% +4.25 pts 14.5%
5 The Central Trust Bank 1 $36.9M 11.18% +2.94 pts -2.5%
6 Academy Bank, N.A. 1 $29.4M 8.92% +3.15 pts 11.1%
7 Goppert Financial Bank 1 $11.7M 3.53% +3.53 pts New
8 BTC Bank 1 $9.2M 2.79% +0.54 pts -11.0%

About this list

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

Other counties in Missouri

St. Louis CityJackson CountySt. Louis CountyGreene CountySt. Charles CountyCole CountyClay CountyBoone CountyFranklin CountyJefferson CountyCamden CountyCape Girardeau CountyJasper CountyBuchanan CountyPlatte CountyCass CountyChristian CountyButler CountySt. Francois CountyLincoln CountyNewton CountyTaney CountyHowell CountyPhelps CountyPettis CountyBarry CountyScott CountyStoddard CountyJohnson CountyLaclede CountyLafayette CountyMarion CountyPerry CountyWarren CountyNodaway CountyPolk CountyLawrence CountyAdair CountyHenry CountyDunklin County

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