Market Intelligence

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

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2026
Market Intelligence › St. Louis-St. Charles-Farmington, MO-IL

St. Louis-St. Charles-Farmington, MO-IL, a Combined Statistical Area, holds $144.5 billion in deposits across 117 insured institutions and 859 branches, and ranks #27 of 293 U.S. markets by economic output. U.S. Bank is the largest deposit holder at 12.9% share. The top three banks hold 37% of deposits, which places the market in the Fragmented band. Deposits have grown 16.8% since 2021 while the branch count fell by 3.3%.

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
Deposits (SOD, 6/30/26)
$144.5B
#23 of 293
Deposits per Capita
$49,523
#22 of 293
Deposits per Branch
$168M
#49 of 293
Competitive structure
Insured Institutions
117
#7 of 293
Branches per 100k Pop.
29.4
#87 of 293
Median Deposits per Institution
$285M
The median deposits booked by a single institution in the market. #92 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
67.6%
of market deposits held by banks with $100M to $100B in assets. #131 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 Banks’ Deposit Share: Fragmented
37%
The combined deposit share of the top three banks by deposits 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

Market Deposits (SOD, 2021 to 2026) +16.8% over 5 years
$123.8B
2021
$132.1B
2022
$136.1B
2023
$134.7B
2024
$137.2B
2025
$144.5B
2026

Branches: 888 in 2021 to 859 in 2026. Institutions: 125 to 117. Top-three share: 41% to 37%. Average deposits per branch: $168M.

Institutions by deposits

InstitutionDepositsShare Branches5‑yr
deposits
U.S. Bank$18.6B12.9%77+7%
Stifel Bank and Trust$17.5B12.1%2+22%
Bank of America$16.7B11.6%32-12%
Stifel Bank$13.7B9.5%1+224%
Commerce Bank$8.2B5.7%38-6%
Enterprise Bank & Trust$5.5B3.8%16+19%
Regions Bank$5.2B3.6%59+10%
PNC Bank$3.4B2.4%28+13%
Carrollton Bank$3.0B2.1%11+34%
UMB Bank$2.9B2.0%14+38%
First Bank$2.8B1.9%30+14%
Busey Bank$2.6B1.8%20-9%
Midwest BankCentre$2.5B1.7%18+40%
FCB Banks$2.3B1.6%20+24%
The Central Trust Bank$1.9B1.3%19+6%
First State Community Bank$1.9B1.3%23+30%
First Mid Bank & Trust$1.5B1.0%18-17%
BMO Bank$1.5B1.0%13-27%
Simmons Bank$1.3B0.9%18-20%
Midland States Bank$1.2B0.8%18+1%
Cass Commercial Bank$1.1B0.8%3+8%
Associated Bank$1.1B0.7%8+20%
The Bank of Missouri$1.1B0.7%3+121%
St. Louis Bank$995M0.7%2+61%
JPMorgan Chase Bank$954M0.7%30+355%
The Bank of Old Monroe$917M0.6%5+100%
CIBC Bank USA$898M0.6%1-21%
Triad Bank$897M0.6%2+93%
Parkside Financial Bank & Trust$890M0.6%1+41%
Bank of Washington$888M0.6%7+25%
Stifel Trust Company$850M0.6%1+8%
Sullivan Bank$830M0.6%6+107%
Royal Banks of Missouri$826M0.6%15+2%
Midwest Regional Bank$768M0.5%6+13%
Peoples Bank & Trust Co.$722M0.5%8+24%
First National Bank of Waterloo$720M0.5%14-4%
Lindell Bank & Trust Company$707M0.5%15-7%
CNB St Louis Bank$697M0.5%6+24%
United Community Bank$601M0.4%8+11%
Heartland Bank and Trust Company$555M0.4%9+9%
Peoples National Bank$547M0.4%6+38%
The Bradford National Bank of Greenville$538M0.4%8+28%
American Bank of Freedom$524M0.4%5+54%
Great Southern Bank$520M0.4%20-21%
United Bank of Union$491M0.3%3+30%
Sterling Bank$458M0.3%2-26%
Citizens Community Bank$446M0.3%4+18%
Germantown Trust & Savings Bank$433M0.3%4+19%
Bank of Belleville$411M0.3%4+54%
First State Bank of St. Charles, Missouri$391M0.3%5+3%
Bank of Franklin County$357M0.2%6+23%
Constitution Bank$351M0.2%10+57%
Dieterich Bank$345M0.2%7+13%
Bank of O'Fallon$324M0.2%2+1%
Montgomery Bank$318M0.2%7-24%
Citizens Bank$305M0.2%4+31%
Farmers and Merchants Bank of St. Clair$301M0.2%4+21%
Bank of Springfield$298M0.2%6+95%
The Missouri Bank$285M0.2%3+34%
State Bank$267M0.2%5+17%
St. Johns Bank and Trust Company$260M0.2%4-17%
1NB Bank$259M0.2%4+30%
Heritage Community Bank$257M0.2%4+94%
Commercial Bank$246M0.2%4+1%
Belgrade State Bank$244M0.2%2+67%
PSB Bank$226M0.2%5+58%
New Era Bank$204M0.1%5+2%
Southern Bank$194M0.1%3-12%
1st Advantage Bank$191M0.1%1+68%
First FSB of Mascoutah$185M0.1%3+51%
MRV Banks$185M0.1%2+320%
Bank Star$176M0.1%3+20%
Jersey State Bank$167M0.1%2+7%
Community Partners Savings Bank$161M0.1%3+7%
Farmers State Bank of Hoffman$159M0.1%2+10%
New Frontier Bank$159M0.1%3+41%
Ozarks Federal Savings and Loan Association$145M0.1%2+6%
Bloomsdale Bank$134M0.1%3+35%
The FNB Community Bank$109M0.1%3+12%
Midwest National Bank$108M0.1%2+81%
UNICO Bank$108M0.1%4+18%
The Iuka State Bank$104M0.1%3+7%
Prairie State Bank and Trust$94M0.1%3+13%
The Northern Trust Company$93M0.1%1+3%
Bank of Kampsville$90M0.1%3+11%
Bank of Calhoun County$90M0.1%3+26%
Silex Banking Company$84M0.1%1+7%
Collinsville Building and Loan Association$83M0.1%1-15%
The Peoples State Bank of Newton, Illinois$78M0.1%2+22%
Community State Bank of Missouri$76M0.1%1+39%
Paramount Bank$75M0.1%1-61%
HNB National Bank$72M<0.1%2+42%
Kinmundy Bank$69M<0.1%1+32%
Academy Bank$69M<0.1%3+69%
HomeBank$63M<0.1%1+2,207%
Warren-Boynton State Bank$62M<0.1%2+23%
Bank & Trust Company$49M<0.1%1+22%
The First National Bank of Raymond$49M<0.1%20%
FMB Bank$48M<0.1%1+13%
The Huntington National Bank$46M<0.1%1+92%
FCNB Bank$46M<0.1%2+6%
Jonesburg State Bank$43M<0.1%1+16%
Peoples Bank$43M<0.1%1+10%
First Financial Bank$39M<0.1%2-7%
Town & Country Bank$31M<0.1%1-17%
The Farmers and Merchants National Bank of Nashville$27M<0.1%3+48%
Farmers State Bank$22M<0.1%1-12%
Legends Bank$20M<0.1%1+16%
Chesterfield State Bank$20M<0.1%1+4%
Farmers State Bank of Medora$18M<0.1%1-13%
Woodforest National Bank$7M<0.1%2-33%
The Bank of Houston$5M<0.1%1no 2021 presence
Peoples Bank & Trust$1M<0.1%1-45%
Edward Jones Trust Company$0M<0.1%10%
EverBank$0M0.0%1no 2021 presence
Wells Fargo Bank$0M0.0%1no 2021 presence
CIBC National Trust Company$0M0.0%1no 2021 presence

The 117 insured institutions with a branch presence in this market, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s 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 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%33.6%
St. Louis cityMissouri$32.1B278,14416.8%38.0%
St. Charles CountyMissouri$21.1B426,49911.0%6.9%
Madison CountyIllinois$12.9B263,1106.8%4.6%
St. Clair CountyIllinois$12.7B250,7086.6%4.1%
Jefferson CountyMissouri$5.2B233,1322.7%2.7%
Franklin CountyMissouri$5.0B108,0902.6%2.7%
St. Francois CountyMissouri$1.9B67,8091.0%1.2%
Lincoln CountyMissouri$1.4B66,6760.8%1.2%
Marion CountyIllinois$1.4B36,3820.7%0.7%
Clinton CountyIllinois$1.2B37,1280.6%1.1%
Macoupin CountyIllinois$1.1B43,7480.6%0.9%
Monroe CountyIllinois$1.0B34,8400.5%0.8%
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.