Market Intelligence

St. Louis-St. Charles-Farmington, MO-IL

Banking market profile · FDIC Summary of Deposits, June 30, 2025
Market Intelligence › St. Louis-St. Charles-Farmington, MO-IL

St. Louis-St. Charles-Farmington, MO-IL, a Combined Statistical Area, holds $137.2 billion in deposits across 119 insured institutions and 852 branches, ranking #27 of 293 U.S. markets by economic output. U.S. Bank is the largest deposit holder at 12.9% share. The top three institutions hold 37.5% of deposits, which places the market in the fragmented band. Deposits have grown 24.3% since 2020 while the branch count fell by 7.8%.

Economic scale
2024 Real GDP
$191.3B
#27 of 293
Population
2.92M
#23 of 293
GDP per Capita
$65,548
#55 of 293
Deposit market
Total Deposits
$137.2B
#23 of 293
Deposits per Capita
$47,009
#24 of 293
Deposits per Branch
$161M
#53 of 293
Competitive structure
Insured Institutions
119
#7 of 293
Branches per 100k Pop.
29.2
#89 of 293
Median Deposits per Institution
$257M
The median deposits booked by a single institution in the market. #110 of 293. 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
64.7%
of market deposits held by banks with $100M to $50B in assets. #117 of 293. 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
37.5%
The combined deposit share of the three largest institutions in the market. A lower share means deposits are spread across more institutions.

Ranks show where the market stands among the 293 markets (Combined and Metropolitan Statistical Areas). They describe relative position, not a rating of market quality or suitability.

Deposit trend

Total market deposits (nominal), 2020 to 2025 +24.3% over 5 years
$110.4B
2020
$123.8B
2021
$132.1B
2022
$136.1B
2023
$134.7B
2024
$137.2B
2025

Branches: 924 in 2020 to 852 in 2025. Institutions: 128 to 119. Top-three share: 42.1% to 37.5%. Deposits per branch: $161M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
U.S. Bank$17.7B12.9%77+13%
Stifel Bank and Trust$16.9B12.3%2+33%
Bank of America$16.8B12.2%32-7%
Stifel Bank$10.7B7.8%1+314%
Commerce Bank$7.9B5.8%39+1%
Enterprise Bank & Trust$5.3B3.9%16+25%
Regions Bank$4.6B3.4%59+9%
PNC Bank$3.0B2.2%28+2%
Carrollton Bank$2.8B2.0%11+63%
First Bank$2.7B2.0%30+8%
UMB Bank$2.7B2.0%14+48%
Busey Bank$2.5B1.8%20-6%
Midwest BankCentre$2.5B1.8%18+37%
FCB Banks$2.2B1.6%20+32%
The Central Trust Bank$1.8B1.3%17no 2020 presence
First State Community Bank$1.7B1.3%23+50%
BMO Bank$1.6B1.1%13-14%
Midland States Bank$1.5B1.1%18+23%
First Mid Bank & Trust$1.4B1.0%19+120%
Simmons Bank$1.4B1.0%18-10%
Cass Commercial Bank$1.1B0.8%3+16%
Associated Bank$1.0B0.7%9+18%
M1 Bank$1.0B0.7%2+248%
St. Louis Bank$945M0.7%2+97%
Midwest Regional Bank$912M0.7%6+46%
Bank of Washington$902M0.7%7+44%
Parkside Financial Bank & Trust$896M0.7%1+68%
Stifel Trust Company$852M0.6%1+16%
The Bank of Old Monroe$836M0.6%5+125%
Royal Banks of Missouri$828M0.6%15+38%
JPMorgan Chase Bank$786M0.6%28+908%
Triad Bank$776M0.6%2+101%
Sullivan Bank$757M0.6%6+116%
CNB St Louis Bank$723M0.5%6+48%
First National Bank of Waterloo$717M0.5%14+34%
Lindell Bank & Trust Company$694M0.5%15+49%
Peoples Bank & Trust Co.$681M0.5%7+45%
CIBC Bank USA$672M0.5%1-13%
CNB Bank and Trust$602M0.4%7+49%
United Community Bank$568M0.4%8+19%
Great Southern Bank$527M0.4%21-4%
Peoples National Bank$517M0.4%6+55%
American Bank of Freedom$508M0.4%5+88%
United Bank of Union$471M0.3%3+33%
The Bradford National Bank of Greenville$463M0.3%6+50%
Sterling Bank$446M0.3%2-27%
Citizens Community Bank$418M0.3%4+14%
Bank of Belleville$417M0.3%4+91%
Germantown Trust & Savings Bank$415M0.3%4+22%
First State Bank of St. Charles, Missouri$395M0.3%5+10%
Bank of Franklin County$348M0.3%6+35%
Bank of Hillsboro$334M0.2%8+94%
Montgomery Bank$322M0.2%7+26%
Bank of O'Fallon$320M0.2%2+13%
Farmers and Merchants Bank of St. Clair$310M0.2%4+51%
The Missouri Bank$306M0.2%3+62%
Citizens Bank$304M0.2%4+45%
St. Johns Bank and Trust Company$270M0.2%4-8%
State Bank$260M0.2%5+53%
Bank of Springfield$257M0.2%6+105%
Commercial Bank$250M0.2%4+11%
Dieterich Bank$248M0.2%5+426%
1NB Bank$248M0.2%4+46%
Belgrade State Bank$226M0.2%2+67%
Heritage Community Bank$221M0.2%3+93%
Peoples Savings Bank of Rhineland$218M0.2%5+127%
New Era Bank$190M0.1%5+16%
Southern Bank$189M0.1%2no 2020 presence
First FSB of Mascoutah$177M0.1%3+68%
1st Advantage Bank$171M0.1%1+66%
Bank Star$170M0.1%3+34%
Community Partners Savings Bank$161M0.1%3+43%
Jersey State Bank$159M0.1%2+11%
Farmers State Bank of Hoffman$156M0.1%2+28%
MRV Banks$155M0.1%2+487%
New Frontier Bank$149M0.1%3+38%
Ozarks Federal Savings and Loan Association$141M0.1%2-7%
Bloomsdale Bank$118M0.1%3+62%
The FNB Community Bank$113M0.1%3+30%
Community Bank of Trenton$109M0.1%2+40%
UNICO Bank$109M0.1%4+35%
Midwest National Bank$101M0.1%2+92%
The Iuka State Bank$94M0.1%3-5%
Prairie State Bank and Trust$88M0.1%3+10%
Heartland Bank and Trust Company$88M0.1%2no 2020 presence
Bank of Calhoun County$86M0.1%3+39%
Collinsville Building and Loan Association$84M0.1%1-9%
Bank of Kampsville$84M0.1%3+17%
Silex Banking Company$81M0.1%1+27%
State Bank of St. Jacob$79M0.1%2+37%
The Peoples State Bank of Newton, Illinois$77M0.1%2+43%
Community State Bank of Missouri$75M0.1%1+52%
Paramount Bank$74M0.1%1-26%
HNB National Bank$67M0.0%2+70%
Academy Bank$63M0.0%3+25%
The Northern Trust Company$61M0.0%1-11%
Warren-Boynton State Bank$59M0.0%2+33%
Kinmundy Bank$59M0.0%1+32%
The First National Bank of Raymond$46M0.0%2+2%
Bank & Trust Company$45M0.0%1+31%
FMB Bank$45M0.0%1+17%
FCNB Bank$45M0.0%2+16%
HomeBank$43M0.0%1no 2020 presence
First Financial Bank$42M0.0%2+17%
Jonesburg State Bank$41M0.0%1+22%
Cadence Bank$41M0.0%1+61%
Peoples Bank$40M0.0%1+13%
Town & Country Bank$36M0.0%1+4%
The Farmers and Merchants National Bank of Nashville$26M0.0%3+77%
Chesterfield State Bank$21M0.0%1+31%
Farmers State Bank$20M0.0%1+4%
Legends Bank$18M0.0%1+10%
Farmers State Bank of Medora$17M0.0%1-2%
Woodforest National Bank$7M0.0%2-21%
The Bank of Houston$5M0.0%1no 2020 presence
Peoples Bank & Trust$1M0.0%1-37%
Edward Jones Trust Company$0M0.0%10%
EverBank$0M0.0%1no 2020 presence
Wells Fargo Bank$0M0.0%1no 2020 presence

The 119 insured institutions with a branch presence, as of June 30, 2025. Five-year change compares the same institution’s 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 market that year. Deposit figures are nominal and are not adjusted for inflation.

Counties in this market

CountyStateGDP PopulationShare of Market GDP Share of Market Deposits
St. Louis CountyMissouri$92.2B990,91148.2%33.5%
St. Louis cityMissouri$32.1B278,14416.8%36.9%
St. Charles CountyMissouri$21.1B426,49911.0%7.3%
Madison CountyIllinois$12.9B263,1106.8%4.8%
St. Clair CountyIllinois$12.7B250,7086.6%4.2%
Jefferson CountyMissouri$5.2B233,1322.7%2.9%
Franklin CountyMissouri$5.0B108,0902.6%2.8%
St. Francois CountyMissouri$1.9B67,8091.0%1.2%
Lincoln CountyMissouri$1.4B66,6760.8%1.2%
Marion CountyIllinois$1.4B36,3820.7%0.8%
Clinton CountyIllinois$1.2B37,1280.6%1.1%
Macoupin CountyIllinois$1.1B43,7480.6%1.0%
Monroe CountyIllinois$1.0B34,8400.5%0.9%
Warren CountyMissouri$927M39,0160.5%0.6%
Bond CountyIllinois$588M16,9590.3%0.3%
Jersey CountyIllinois$509M21,1600.3%0.4%
Calhoun CountyIllinois$97M4,3000.1%0.1%

Recruiting in the St. Louis-St. Charles-Farmington market

No single institution dominates deposits here, which often means more competitors of a size where a well-positioned team has room to compete. 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 this one.

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Other markets in Illinois and Missouri

All 293 markets and the 1,523 counties with a branch within a CSA or MSA are covered in the Market Intelligence resource. See the methodology for how each figure is built and when to expect updates, or the disclaimer for how this data should, and should not, be read.