St. Clair County, Illinois, a core county of the St. Louis-St. Charles-Farmington, MO-IL market, holds $5.9B in deposits across 26 insured institutions and 68 branches. Regions Bank is the largest deposit holder at 14.2% share. The top three banks hold 31% of deposits, which places the county in the Fragmented band. Deposits have grown 15.1% since 2021 while the branch count fell by 9.3%. It produced $12.7B of real gross domestic product in 2024, ranking #310 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: 75 in 2021 to 68 in 2026. Institutions: 28 to 26. Top-three share: 31% to 31%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Regions Bank | $843M | 14.2% | -3% |
| Associated Bank | $498M | 8.4% | +46% |
| Busey Bank | $475M | 8.0% | +41% |
| Carrollton Bank | $459M | 7.7% | +34% |
| Citizens Community Bank | $446M | 7.5% | +18% |
| Bank of America | $413M | 6.9% | +55% |
| FCB Banks | $384M | 6.5% | +16% |
| Bank of Belleville | $346M | 5.8% | +33% |
| Bank of O'Fallon | $324M | 5.5% | +1% |
| First National Bank of Waterloo | $283M | 4.8% | +14% |
| Commerce Bank | $244M | 4.1% | +2% |
| U.S. Bank | $207M | 3.5% | -3% |
| First Bank | $168M | 2.8% | -29% |
| First FSB of Mascoutah | $159M | 2.7% | +47% |
| Bank of Springfield | $134M | 2.3% | +78% |
| The Central Trust Bank | $117M | 2.0% | +15% |
| PNC Bank | $61M | 1.0% | -4% |
| First Mid Bank & Trust | $59M | 1.0% | -55% |
| Heartland Bank and Trust Company | $55M | 0.9% | +29% |
| JPMorgan Chase Bank | $55M | 0.9% | +4,728% |
| UMB Bank | $55M | 0.9% | -15% |
| Midland States Bank | $53M | 0.9% | +35% |
| BMO Bank | $50M | 0.8% | -11% |
| The Farmers and Merchants National Bank of Nashville | $27M | 0.5% | +48% |
| Lindell Bank & Trust Company | $26M | 0.4% | -55% |
| Woodforest National Bank | $4M | 0.1% | -4% |
The 26 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
St. Clair 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 6.6% of the market’s output and holds 4.1% of its deposits.
| Measure | St. Clair County | Share of parent market |
|---|---|---|
| 2024 GDP | $12.7B | 6.6% |
| Deposits | $5.9B | 4.1% |
| Population | 250,708 | 8.6% |
View the full St. Louis-St. Charles-Farmington market profile →
Recruiting in St. Clair 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. Clair County.
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