Warren County, Missouri, a county in the St. Louis-St. Charles-Farmington, MO-IL market, holds $853M in deposits across 8 insured institutions and 12 branches. The Missouri Bank is the largest deposit holder at 26.2% share. The top three institutions hold 69.3% of deposits, which places the county in the concentrated band. Deposits have grown 44.4% since 2020. It produces $927M of output, ranking #1,213 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 12 in 2020 to 12 in 2025. Institutions: 9 to 8. Top-three share: 50.9% to 69.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| The Missouri Bank | $223M | 26.2% | +82% |
| American Bank of Freedom | $204M | 24.0% | +112% |
| First State Community Bank | $163M | 19.2% | +116% |
| U.S. Bank National Association | $69M | 8.1% | +21% |
| Heritage Community Bank | $67M | 7.9% | +65% |
| FMB Bank | $45M | 5.3% | +17% |
| Jonesburg State Bank | $41M | 4.8% | +22% |
| PNC Bank, National Association | $40M | 4.7% | -11% |
The 8 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 competitive 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
Warren 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 0.5% of the market’s output and holds 0.6% of its deposits.
| Measure | Warren County | Share of St. Louis-St. Charles-Farmington market |
|---|---|---|
| 2024 GDP | $927M | 0.5% |
| Deposits | $853M | 0.6% |
| Population | 39,016 | 1.3% |
View the full St. Louis-St. Charles-Farmington market profile →
Recruiting in Warren 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 Warren County, on a retained basis.
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