St. Louis-St. Charles-Farmington, MO-IL 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% since 2020 while the branch count fell by 72.
Deposit trend
Branches: 924 in 2020 to 852 in 2025. Institutions: 128 to 119. Top-three share: 42.1% to 37.5%. Deposits per branch: $161M.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| U.S. Bank | 17.7B | 12.9% | +13% |
| Stifel Bank and Trust | 16.9B | 12.3% | +32% |
| Bank of America | 16.8B | 12.2% | -7% |
| Stifel Bank | 10.7B | 7.8% | +314% |
| Commerce Bank | 7.9B | 5.8% | +1% |
| Enterprise Bank & Trust | 5.3B | 3.9% | +25% |
| Regions Bank | 4.6B | 3.4% | +9% |
| PNC Bank | 3.0B | 2.2% | +2% |
| Carrollton Bank | 2.8B | 2.0% | +63% |
| First Bank | 2.7B | 2.0% | +8% |
The 10 largest of 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; an acquirer absorbs the balances of banks it bought.
Counties in this market
| County | State | GDP | Population | Share of GDP |
|---|---|---|---|---|
| St. Louis County | Missouri | $92,155M | 990,911 | 48.2% |
| St. Louis city | Missouri | $32,119M | 278,144 | 16.8% |
| St. Charles County | Missouri | $21,082M | 426,499 | 11.0% |
| Madison County | Illinois | $12,941M | 263,110 | 6.8% |
| St. Clair County | Illinois | $12,699M | 250,708 | 6.6% |
| Jefferson County | Missouri | $5,201M | 233,132 | 2.7% |
| Franklin County | Missouri | $4,977M | 108,090 | 2.6% |
| St. Francois County | Missouri | $1,866M | 67,809 | 1.0% |
| Lincoln County | Missouri | $1,443M | 66,676 | 0.8% |
| Marion County | Illinois | $1,369M | 36,382 | 0.7% |
| Clinton County | Illinois | $1,171M | 37,128 | 0.6% |
| Macoupin County | Illinois | $1,131M | 43,748 | 0.6% |
| Monroe County | Illinois | $1,035M | 34,840 | 0.5% |
| Warren County | Missouri | $927M | 39,016 | 0.5% |
| Bond County | Illinois | $588M | 16,959 | 0.3% |
| Jersey County | Illinois | $508M | 21,160 | 0.3% |
| Calhoun County | Illinois | $97M | 4,300 | 0.1% |
Recruiting in St. Louis
No single institution dominates deposits here, which usually means more competitors of a size where a strong team can move meaningful share. 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, on a retained basis.
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