Jefferson County, Missouri, a core county of the St. Louis-St. Charles-Farmington, MO-IL market, holds $3.9B in deposits across 24 insured institutions and 44 branches. Enterprise Bank & Trust is the largest deposit holder at 12.7% share. The top three banks hold 36% of deposits, which places the county in the Fragmented band. Deposits have grown 14.2% since 2021 while the branch count rose by 2.3%. It produced $5.2B of real gross domestic product in 2024, ranking #583 of the 1,523 ranked counties by economic output.
Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.
Deposit trend
Branches: 43 in 2021 to 44 in 2026. Institutions: 22 to 24. Top-three share: 35% to 36%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Enterprise Bank & Trust | $494M | 12.7% | +1% |
| First State Community Bank | $468M | 12.0% | +36% |
| U.S. Bank | $448M | 11.5% | +23% |
| Midwest BankCentre | $392M | 10.1% | +58% |
| Commerce Bank | $391M | 10.1% | +18% |
| Midwest Regional Bank | $385M | 9.9% | +10% |
| Carrollton Bank | $196M | 5.0% | +87% |
| Bank of America | $155M | 4.0% | -46% |
| Bloomsdale Bank | $134M | 3.4% | +35% |
| Southern Bank | $104M | 2.7% | -28% |
| UMB Bank | $93M | 2.4% | +1% |
| PNC Bank | $89M | 2.3% | -1% |
| Bank Star | $86M | 2.2% | +30% |
| Farmers and Merchants Bank of St. Clair | $80M | 2.0% | +65% |
| Lindell Bank & Trust Company | $66M | 1.7% | +13% |
| Midland States Bank | $46M | 1.2% | +11% |
| Regions Bank | $46M | 1.2% | +45% |
| BMO Bank | $43M | 1.1% | +6% |
| Ozarks Federal Savings and Loan Association | $42M | 1.1% | -12% |
| First Bank | $38M | 1.0% | -5% |
| MRV Banks | $36M | 0.9% | -17% |
| Town & Country Bank | $31M | 0.8% | -17% |
| JPMorgan Chase Bank | $13M | 0.3% | no 2021 presence |
| Heritage Community Bank | $11M | 0.3% | no 2021 presence |
The 24 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. “No 2021 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.
Part of the St. Louis-St. Charles-Farmington market
Jefferson County is one of 17 counties that make up the St. Louis-St. Charles-Farmington, MO-IL market, a Combined Statistical Area (ranked #27 of 293 U.S. markets by economic output). It produces 2.7% of the market’s output and holds 2.7% of its deposits.
| Measure | Jefferson County | Share of parent market |
|---|---|---|
| 2024 GDP | $5.2B | 2.7% |
| Deposits | $3.9B | 2.7% |
| Population | 233,132 | 8.0% |
View the full St. Louis-St. Charles-Farmington market profile →
Recruiting in Jefferson County
Deposits are spread across a competitive field of institutions, so the bankers worth recruiting are dispersed across more of them. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Jefferson County.
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