St. Charles County, Missouri, a core county of the St. Louis-St. Charles-Farmington, MO-IL market, holds $10.0B in deposits across 35 insured institutions and 106 branches. U.S. Bank National Association is the largest deposit holder at 17.1% share. The top three banks hold 39% of deposits, which places the county in the Fragmented band. Deposits have grown 24.3% since 2020 while the branch count fell by 7.0%. It produces $21.1B of output, ranking #214 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: 114 in 2020 to 106 in 2025. Institutions: 34 to 35. Top-three share: 41% to 39%.
Institutions by deposits
The 35 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. 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 2020 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
St. Charles 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 11.0% of the market’s output and holds 7.3% of its deposits.
| Measure | St. Charles County | Share of parent market |
|---|---|---|
| 2024 GDP | $21.1B | 11.0% |
| Deposits | $10.0B | 7.3% |
| Population | 426,499 | 14.6% |
View the full St. Louis-St. Charles-Farmington market profile →
Recruiting in St. Charles 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 St. Charles County.
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