Market Lens — bank market footprint analysis from FDIC Summary of Deposits (June 2025), Census PEP, BEA and BLS QCEW.
A $60.6bn book; 17.3% of deposits sit in high-growth markets; the largest market is 58.7% of the book; 2 high-growth markets are losing share.
Generated 22 Aug 2026, 03:35 UTC · drafted over all 70 markets · 12 citations, every one resolved against the computed rows
70 markets
17 of 70
Deposits are this bank’s pro forma SOD book in each market, not market size. Kansas City’s 37.7% is share of that metro; 58.7% is share of UMB Bank, National Association’s own book.
Every market the bank books deposits in, shaded by the column the table is sorted by. Drag to pan, scroll or use the controls to zoom; the arrow keys move between markets.
Footprint map
Each shaded region is a market, not a state — CBSAs cross state lines, and rural markets are single counties drawn on top of the metro layer.
Shading: Bank deposits (current) (US dollars) · sequential ramp · 70 markets in view
Sequential ramp on slate with alpha, five quantile bins — this measure carries no direction.
UMB Bank (cert 8273) · 70 markets · unfiltered · as of 22 Aug 2026, 03:35 UTC
Loading county geometry…
Click a market to open it. Scroll or pinch to zoom, drag to pan, double-click to zoom in, and the buttons in the corner do the same from the keyboard — Fit returns to the whole footprint. The map itself is one tab stop: Tab moves into it, the arrow keys move between neighbouring markets, Home and End jump to the first and last, Enter or Space selects, and Escape clears the selection.
Denver-Aurora-Centennial, CO is a growth market where the franchise is already established (Expanding).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Phoenix-Mesa-Chandler, AZ is a growth market where the franchise is already established (Expanding).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Albuquerque, NM is a growth market where the franchise is already established (New Entrant).
Deposit share compounds where population and income are growing: the same branch network gathers a larger book each year without new capital expenditure.
Kansas City, MO-KS scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
St. Louis, MO-IL scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
Rockford, IL scores below the national distribution on the growth composite.
A shrinking or flat market makes share gains a zero-sum fight for the same deposits, which shows up as price competition before it shows up in volume.
3 strengths · 3 watch items · 12 cited figures. Hover a figure to raise its row on the map and in the ranking table; select it to open that market in full.
Where would the next branch buy the most incremental share, given where the franchise is already entrenched?
0 claims dropped — every claim on screen resolved against the computed rows. The 12 figures above are the ones that survived that check.
Machine-generated from the computed figures shown above. Every number is calculated in Python and cited; the model interprets and never calculates. It is interpretation, not a statement about the institution’s condition or management.
Sorted client-side from the complete row set. Sort, filter, density and the selected market all live in the URL, so a shared link reopens exactly this view.
70 markets shown · sorted by Bank deposits (current) high to low · 40 columns hidden
CSV carries the sort, the visible columns and the filtered row set exactly as shown, plus a provenance header. XLSX and PowerPoint are the logged N6 waiver (P1-05).
| Row actionDetail | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kansas City, MO-KS | 28140 | KS|MO | Major Metro | Medium | Entrenched Leader | $1.1bn | 14.7% | $35.6bn | 37.7% | +1,312 bps | -0.18 | ||
| Denver-Aurora-Centennial, CO | 19740 | CO | Major Metro | High | Expanding | $267.3m | 18.2% | $4.5bn | 4.9% | +310 bps | +0.42 | ||
| Phoenix-Mesa-Chandler, AZ | 38060 | AZ | Major Metro | High | Expanding | $269.8m | 23.0% | $3.5bn | 2.0% | +115 bps | +1.16 | ||
| St. Louis, MO-IL | 41180 | IL|MO | Major Metro | Medium | Established - Mature | $209.4m | 8.7% | $2.7bn | 2.2% | +38 bps | -0.03 | ||
| Rockford, IL | 40420 | IL | Secondary Metro | Low | New Entrant | $423.8m | —— | $1.7bn | 21.5% | +2,146 bps | -0.80 | ||
| Albuquerque, NM | 10740 | NM | Secondary Metro | Medium | New Entrant | $174.6m | —— | $1.6bn | 8.6% | +863 bps | +0.21 | ||
| Dubuque, IA | 20220 | IA | Small Metro | Medium | New Entrant | $149.0m | —— | $1.0bn | 30.5% | +3,046 bps | -0.31 | ||
| Dallas-Fort Worth-Arlington, TX | 19100 | TX | Major Metro | High | Established - Mature | $297.7m | 15.9% | $893.1m | 0.1% | +8 bps | +0.88 | ||
| Madison, WI | 31540 | WI | Secondary Metro | Medium | New Entrant | $201.6m | —— | $806.3m | 3.0% | +301 bps | +0.13 | ||
| Fresno, CA | 23420 | CA | Major Metro | Medium | New Entrant | $392.9m | —— | $785.7m | 3.8% | +378 bps | +0.23 | ||
| Lubbock, TX | 31180 | TX | Secondary Metro | Medium | New Entrant | $111.3m | —— | $779.0m | 6.2% | +618 bps | -0.04 | ||
| Minneapolis-St. Paul-Bloomington, MN-WI | 33460 | MN | Major Metro | Medium | New Entrant | $247.6m | —— | $495.2m | 0.4% | +38 bps | -0.24 | ||
| Colorado Springs, CO | 17820 | CO | Secondary Metro | High | Established - Mature | $107.9m | 4.4% | $431.7m | 4.2% | +9 bps | +0.45 | ||
| Santa Fe, NM | 42140 | NM | Small Metro | Medium | New Entrant | $172.3m | —— | $344.7m | 7.2% | +722 bps | +0.04 | ||
| Topeka, KS | 45820 | KS | Small Metro | Medium | Established - Mature | $313.5m | 2.6% | $313.5m | 5.9% | -96 bps | -0.27 | ||
| Omaha, NE-IA | 36540 | NE | Major Metro | High | Expanding | $301.6m | 6.1% | $301.6m | 0.9% | +52 bps | +0.42 | ||
| Sheboygan, WI | 43100 | WI | Small Metro | Low | New Entrant | $74.1m | —— | $296.5m | 10.2% | +1,017 bps | -0.50 | ||
| San Luis Obispo-Paso Robles, CA | 42020 | CA | Secondary Metro | Medium | New Entrant | $119.7m | —— | $239.5m | 2.8% | +278 bps | -0.21 | ||
| Springfield, MO | 44180 | MO | Secondary Metro | High | Established - Mature | $70.5m | 4.3% | $211.6m | 1.5% | -64 bps | +0.36 | ||
| St. Joseph, MO-KS | 41140 | MO | Small Metro | Low | Entrenched Leader | $101.3m | 5.4% | $202.5m | 8.2% | +3 bps | -0.66 | ||
| Wichita, KS | 48620 | KS | Secondary Metro | Low | Established - Mature | $98.7m | 4.2% | $197.5m | 1.0% | +3 bps | -0.49 | ||
| Jo Daviess County, Illinois | 17085 | IL | Rural | Medium | New Entrant | $193.7m | —— | $193.7m | 21.0% | +2,101 bps | -0.11 | ||
| Columbia, MO | 17860 | MO | Small Metro | Medium | Expanding | $88.0m | 7.8% | $176.0m | 2.9% | +86 bps | +0.12 | ||
| Mitchell County, Texas | 48335 | TX | Rural | Medium | New Entrant | $161.7m | —— | $161.7m | 47.0% | +4,697 bps | -0.01 | ||
| Clovis, NM | 17580 | NM | Micropolitan | Medium | New Entrant | $74.3m | —— | $148.6m | 10.5% | +1,048 bps | -0.26 | ||
| Española, NM | 21580 | NM | Micropolitan | Low | New Entrant | $69.7m | —— | $139.4m | 22.1% | +2,209 bps | -0.33 | ||
| Snyder, TX | 43660 | TX | Micropolitan | Low | New Entrant | $121.2m | —— | $121.2m | 22.1% | +2,210 bps | -0.76 | ||
| Mariposa County, California | 06043 | CA | Rural | Medium | New Entrant | $118.5m | —— | $118.5m | 57.8% | +5,777 bps | -0.22 | ||
| Warrensburg, MO | 47660 | MO | Micropolitan | Medium | Entrenched Leader | $103.9m | 1.2% | $103.9m | 10.0% | -256 bps | +0.09 | ||
| Los Alamos, NM | 31060 | NM | Micropolitan | High | New Entrant | $99.4m | —— | $99.4m | 11.3% | +1,135 bps | +0.87 | ||
| Oklahoma City, OK | 36420 | OK | Major Metro | Medium | Established - Mature | $48.5m | -7.4% | $97.1m | 0.2% | -34 bps | +0.23 | ||
| Bailey County, Texas | 48017 | TX | Rural | Low | New Entrant | $94.9m | —— | $94.9m | 60.2% | +6,018 bps | -0.37 | ||
| Jefferson City, MO | 27620 | MO | Small Metro | Medium | Expanding | $94.5m | 10.7% | $94.5m | 2.0% | +65 bps | +0.09 | ||
| Linn County, Missouri | 29115 | MO | Rural | Medium | Entrenched Leader | $94.3m | 5.0% | $94.3m | 16.3% | -75 bps | -0.30 | ||
| Grand County, Colorado | 08049 | CO | Rural | High | New Entrant | $92.5m | —— | $92.5m | 20.7% | +2,069 bps | +0.85 | ||
| Joplin, MO-KS | 27900 | MO | Small Metro | Medium | Established - Mature | $40.9m | -5.5% | $81.8m | 2.9% | -331 bps | +0.01 | ||
| Pampa, TX | 37420 | TX | Micropolitan | Low | New Entrant | $79.0m | —— | $79.0m | 17.1% | +1,714 bps | -0.76 | ||
| Brown County, Kansas | 20013 | KS | Rural | Low | New Entrant | $78.8m | —— | $78.8m | 20.4% | +2,036 bps | -1.01 | ||
| Platteville, WI | 38420 | WI | Micropolitan | Low | New Entrant | $76.7m | —— | $76.7m | 5.0% | +497 bps | -0.74 | ||
| Salina, KS | 41460 | KS | Micropolitan | Low | Established - Mature | $74.6m | -3.1% | $74.6m | 3.7% | -253 bps | -0.85 | ||
| Colfax County, New Mexico | 35007 | NM | Rural | Low | New Entrant | $36.8m | —— | $73.6m | 16.5% | +1,653 bps | -0.34 | ||
| Quay County, New Mexico | 35037 | NM | Rural | Low | New Entrant | $73.4m | —— | $73.4m | 25.0% | +2,503 bps | -0.86 | ||
| Nemaha County, Kansas | 20131 | KS | Rural | Medium | New Entrant | $72.2m | —— | $72.2m | 6.4% | +642 bps | +0.13 | ||
| Odessa, TX | 36220 | TX | Small Metro | Low | New Entrant | $70.3m | —— | $70.3m | 1.8% | +183 bps | -0.77 | ||
| Lamb County, Texas | 48279 | TX | Rural | Low | New Entrant | $70.3m | —— | $70.3m | 18.3% | +1,833 bps | -0.45 | ||
| Benton County, Missouri | 29015 | MO | Rural | High | Entrenched Leader | $70.1m | 5.7% | $70.1m | 13.6% | +143 bps | +0.48 | ||
| Tulsa, OK | 46140 | OK | Major Metro | Medium | Established - Mature | $70.0m | 6.6% | $70.0m | 0.2% | +0 bps | +0.24 | ||
| Atchison, KS | 11860 | KS | Micropolitan | Low | Entrenched Leader | $69.1m | 6.6% | $69.1m | 13.9% | +82 bps | -1.09 | ||
| Barry County, Missouri | 29009 | MO | Rural | Medium | Established - Mature | $65.9m | 0.3% | $65.9m | 6.1% | -162 bps | +0.12 | ||
| Milwaukee-Waukesha, WI | 33340 | WI | Major Metro | Low | New Entrant | $65.0m | —— | $65.0m | 0.1% | +12 bps | -0.51 | ||
| Greeley, CO | 24540 | CO | Secondary Metro | High | New Entrant | $64.7m | —— | $64.7m | 1.0% | +101 bps | +0.98 | ||
| Bourbon County, Kansas | 20011 | KS | Rural | Low | Entrenched Leader | $64.4m | 3.5% | $64.4m | 20.0% | +200 bps | -0.90 | ||
| Boulder, CO | 14500 | CO | Secondary Metro | Medium | New Entrant | $61.5m | —— | $61.5m | 0.5% | +51 bps | -0.26 | ||
| Russell County, Kansas | 20167 | KS | Rural | Medium | Entrenched Leader | $61.2m | 1.9% | $61.2m | 20.5% | -320 bps | -0.19 | ||
| Abilene, TX | 10180 | TX | Small Metro | High | New Entrant | $60.4m | —— | $60.4m | 1.3% | +133 bps | +0.36 | ||
| Edwards, CO | 20780 | CO | Micropolitan | High | New Entrant | $54.8m | —— | $54.8m | 1.8% | +182 bps | +0.83 | ||
| Midland, TX | 33260 | TX | Small Metro | High | New Entrant | $51.1m | —— | $51.1m | 0.6% | +56 bps | +0.46 | ||
| Lawrence, KS | 29940 | KS | Small Metro | Low | Established - Mature | $50.1m | 7.5% | $50.1m | 1.4% | +40 bps | -0.38 | ||
| Manhattan, KS | 31740 | KS | Small Metro | Low | Established - Mature | $49.9m | -1.7% | $49.9m | 1.8% | -52 bps | -0.39 | ||
| Sonora, CA | 43760 | CA | Micropolitan | Low | New Entrant | $42.3m | —— | $42.3m | 2.9% | +285 bps | -0.62 | ||
| Henry County, Missouri | 29083 | MO | Rural | High | Pulling Back | $38.0m | 1.6% | $38.0m | 4.7% | -89 bps | +0.49 | ||
| Guadalupe County, New Mexico | 35019 | NM | Rural | High | New Entrant | $35.6m | —— | $35.6m | 100.0% | +10,000 bps | +0.42 | ||
| Dickinson County, Kansas | 20041 | KS | Rural | Low | Established - Mature | $33.7m | -1.5% | $33.7m | 6.4% | -264 bps | -0.37 | ||
| Union County, New Mexico | 35059 | NM | Rural | Low | New Entrant | $33.0m | —— | $33.0m | 20.6% | +2,059 bps | -1.75 | ||
| Green Bay, WI | 24580 | WI | Secondary Metro | Medium | New Entrant | $28.7m | —— | $28.7m | 0.2% | +20 bps | -0.26 | ||
| Parmer County, Texas | 48369 | TX | Rural | Medium | New Entrant | $27.6m | —— | $27.6m | 6.2% | +615 bps | +0.20 | ||
| Yoakum County, Texas | 48501 | TX | Rural | Low | New Entrant | $25.1m | —— | $25.1m | 7.0% | +697 bps | -0.99 | ||
| Des Moines-West Des Moines, IA | 19780 | IA | Secondary Metro | High | New Entrant | $24.9m | —— | $24.9m | 0.1% | +8 bps | +0.47 | ||
| Salinas, CA | 41500 | CA | Secondary Metro | Low | New Entrant | $16.8m | —— | $16.8m | 0.1% | +14 bps | -0.62 | ||
| Salt Lake City-Murray, UT | 41620 | UT | Major Metro | High | New Entrant | $0k | —— | $0k | 0.0% | +0 bps | +0.51 | ||
| Totals over 70 markets shown | $60.6bn | 92 counties · 209 offices |
Select a market — on the map, in the ranking table above, or through a figure cited in the brief — to see it in full here.
Every threshold, gate and vintage, generated with this bank’s own figures.
UMB Bank (cert 8273) · 70 markets · unfiltered