St. Francois County, Missouri, a core county of the St. Louis-St. Charles-Farmington, MO-IL market, holds $1.6B in deposits across 6 insured institutions and 24 branches. First State Community Bank is the largest deposit holder at 51.7% share. The top three institutions hold 77.2% of deposits, which places the county in the concentrated band. Deposits have grown 40.4% since 2020. It produces $1.9B of output, ranking #961 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 24 in 2020 to 24 in 2025. Institutions: 6 to 6. Top-three share: 75.0% to 77.2%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First State Community Bank | $841M | 51.7% | +47% |
| Belgrade State Bank | $226M | 13.9% | +67% |
| New Era Bank | $190M | 11.7% | +16% |
| U.S. Bank National Association | $163M | 10.0% | +40% |
| UNICO Bank | $109M | 6.7% | +35% |
| Ozarks Federal Savings and Loan Association | $98M | 6.0% | +7% |
The 6 insured institutions with a branch presence in this county, as of 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. Even so, a large gain can reflect acquisition rather than organic growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the St. Louis-St. Charles-Farmington market
St. Francois 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 1.0% of the market’s output and holds 1.2% of its deposits.
| Measure | St. Francois County | Share of St. Louis-St. Charles-Farmington market |
|---|---|---|
| 2024 GDP | $1.9B | 1.0% |
| Deposits | $1.6B | 1.2% |
| Population | 67,809 | 2.3% |
View the full St. Louis-St. Charles-Farmington market profile →
Recruiting in St. Francois County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. 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. Francois County, on a retained basis.
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