The number of consumer mobile banking apps available is continuing to grow, but smaller banks are getting left out of the race.

That is according to the July Monkey Insights report, released today by Malauzai Software.

Consumer mobile apps grew about 6%, in keeping with last year’s growth, according to the report.

This slower growth rate is due to a couple of reasons, not the least of which is simple market saturation: Everyone and their incumbent has a mobile app. Everyone, that is, except for the smaller financial institutions: FIs with under $100 million in assets “have the lowest rates of apps,” according to the report, contributing to most of the gaps in the sector.

Meanwhile, mobile banking continues to grow elsewhere, with P2P payments seeing the expected boom — 100% more FIs added P2P, according to the report — and card controls within mobile banking are also seeing a rise.

About 400 (396) mobile banking apps now come equipped with card controls, although there are only a couple of standalone card-management apps.

The full report may be found here.