Market Intelligence

St. Louis County, MO

Banking market profile · FDIC Summary of Deposits, June 30, 2025

St. Louis County, Missouri, a core county of the St. Louis-St. Charles-Farmington, MO-IL market, holds $46.0B in deposits across 54 insured institutions and 299 branches. Bank of America, National Association is the largest deposit holder at 13.0% share. The top three institutions hold 38.1% of deposits, which places the county in the fragmented band. Deposits have grown 6.7% since 2020 while the branch count fell by 8.8%. It produces $92.2B of output, ranking #52 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$92.2B
#52 of 1,523
Population
990,911
#53 of 1,523
GDP per Capita
$93,000
#69 of 1,523
Deposit market
Total Deposits
$46.0B
#63 of 1,523
Deposits per Capita
$46,447
#118 of 1,523
Deposits per Branch
$154M
#185 of 1,523
Competitive structure
Insured Institutions
54
#16 of 1,523
Branches per 100k Pop.
30.2
#476 of 1,523
Median Deposits per Institution
$334M
The median deposits booked by a single institution in the county. #121 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
59.1%
of county deposits held by banks with $100M to $50B in assets. #853 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Deposit Share: fragmented
38.1%
The combined deposit share of the three largest institutions in the county. A lower share means deposits are spread across more institutions.

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

Total county deposits (nominal), 2020 to 2025+6.7% over 5 years
$43.1B
2020
$49.1B
2021
$49.8B
2022
$44.6B
2023
$46.3B
2024
$46.0B
2025

Branches: 328 in 2020 to 299 in 2025. Institutions: 53 to 54. Top-three share: 40.5% to 38.1%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
Bank of America$6.0B13.0%19+5%
U.S. Bank$5.8B12.6%31-2%
Commerce Bank$5.8B12.5%22-2%
Enterprise Bank & Trust$4.2B9.2%7+34%
Regions Bank$2.3B5.0%22+9%
PNC Bank$2.3B4.9%14+1%
First Bank$2.2B4.8%17+44%
Midwest BankCentre$1.7B3.8%9+46%
The Central Trust Bank$1.4B3.1%9no 2020 presence
Cass Commercial Bank$1.0B2.3%2+23%
M1 Bank$1.0B2.2%2+248%
Simmons Bank$926M2.0%13-5%
Parkside Financial Bank & Trust$896M1.9%1+68%
St. Louis Bank$848M1.8%1+81%
Busey Bank$786M1.7%4-21%
Triad Bank$776M1.7%2+101%
Carrollton Bank$726M1.6%3+20%
BMO Bank$723M1.6%7-6%
CIBC Bank USA$672M1.5%1-13%
CNB St Louis Bank$627M1.4%4+55%
JPMorgan Chase Bank$522M1.1%15+570%
Sterling Bank$446M1.0%2-27%
Royal Banks of Missouri$397M0.9%9-19%
Midwest Regional Bank$370M0.8%4+83%
First Mid Bank & Trust$367M0.8%4+6,302%
Great Southern Bank$361M0.8%12-8%
UMB Bank$347M0.8%7+4%
Montgomery Bank$322M0.7%7+26%
Lindell Bank & Trust Company$307M0.7%8+124%
Midland States Bank$273M0.6%7-22%
Commercial Bank$250M0.5%4+11%
St. Johns Bank and Trust Company$198M0.4%2-5%
American Bank of Freedom$186M0.4%2+191%
FCB Banks$160M0.3%3+39%
Sullivan Bank$106M0.2%1no 2020 presence
Peoples National Bank$94M0.2%2+85%
Southern Bank$81M0.2%1no 2020 presence
Paramount Bank$74M0.2%1-26%
Academy Bank$63M0.1%3+25%
The Northern Trust Company$61M0.1%1-11%
State Bank$46M0.1%1no 2020 presence
Farmers and Merchants Bank of St. Clair$46M0.1%1+92%
Cadence Bank$41M0.1%1+61%
Bank of Springfield$34M0.1%1+425%
First State Bank of St. Charles, Missouri$20M0.0%1+7%
FCNB Bank$19M0.0%1+10%
CNB Bank and Trust$18M0.0%1-1%
Bank of Washington$14M0.0%1no 2020 presence
Bank Star$8M0.0%1no 2020 presence
Associated Bank$8M0.0%1no 2020 presence
The Bank of Houston$5M0.0%1no 2020 presence
Bank of Franklin County$4M0.0%1no 2020 presence
Edward Jones Trust Company$0M0.0%10%
Stifel Bank and Trust$0M0.0%1no 2020 presence

The 54 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. “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. Louis 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 48.2% of the market’s output and holds 33.5% of its deposits.

MeasureSt. Louis CountyShare of parent market
2024 GDP$92.2B48.2%
Deposits$46.0B33.5%
Population990,91134.0%

View the full St. Louis-St. Charles-Farmington market profile →

Recruiting in St. Louis 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. Louis County.

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