County banking markets / MO / 29183
St. CharlesMissouri
FIPS 29183. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 115 counties in Missouri’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (454) and unconcentrated on deposits (743).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
46 branch offices and 15 institutions in 1994; 106 and 35 in 2025. Deposits booked in the county went from $1.64B to $9.96B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | U.S. Bank National Association cert 6548 | $1.70B | 17.07% | 10 | 9.43% |
| 2 | Commerce Bank cert 24998 | $1.09B | 10.91% | 6 | 5.66% |
| 3 | Bank of America, National Association cert 3510 | $1.08B | 10.86% | 5 | 4.72% |
| 4 | Midland States Bank cert 1040 | $847.2M | 8.51% | 2 | 1.89% |
| 5 | Regions Bank cert 12368 | $546.6M | 5.49% | 9 | 8.49% |
| 6 | Enterprise Bank & Trust cert 27237 | $498.0M | 5.00% | 1 | 0.94% |
| 7 | First State Bank of St. Charles, Missouri cert 12219 | $375.5M | 3.77% | 4 | 3.77% |
| 8 | Carrollton Bank cert 12383 | $362.5M | 3.64% | 1 | 0.94% |
| 9 | PNC Bank, National Association cert 6384 | $291.6M | 2.93% | 4 | 3.77% |
| 10 | First Bank cert 12229 | $280.2M | 2.81% | 6 | 5.66% |
| 11 | The Central Trust Bank cert 12633 | $264.4M | 2.65% | 5 | 4.72% |
| 12 | The Bank of Old Monroe cert 1655 | $217.5M | 2.18% | 2 | 1.89% |
| 13 | Royal Banks of Missouri cert 19512 | $177.2M | 1.78% | 2 | 1.89% |
| 14 | 1st Advantage Bank cert 57899 | $171.0M | 1.72% | 1 | 0.94% |
| 15 | UMB Bank, National Association cert 8273 | $163.9M | 1.65% | 3 | 2.83% |
| 16 | Lindell Bank & Trust Company cert 1073 | $152.6M | 1.53% | 3 | 2.83% |
| 17 | JPMorgan Chase Bank, National Association cert 628 | $150.9M | 1.52% | 5 | 4.72% |
| 18 | NEW FRONTIER BANK cert 35597 | $148.9M | 1.50% | 3 | 2.83% |
| 19 | Peoples Savings Bank of Rhineland cert 15264 | $138.6M | 1.39% | 3 | 2.83% |
| 20 | Great Southern Bank cert 29546 | $138.4M | 1.39% | 7 | 6.60% |
| 21 | Simmons Bank cert 3890 | $128.5M | 1.29% | 3 | 2.83% |
| 22 | Peoples Bank & Trust Co. cert 8903 | $124.2M | 1.25% | 2 | 1.89% |
| 23 | First Mid Bank & Trust, National Association cert 3705 | $123.6M | 1.24% | 4 | 3.77% |
| 24 | American Bank of Freedom cert 15423 | $117.7M | 1.18% | 1 | 0.94% |
| 25 | MRV Banks cert 58619 | $115.9M | 1.16% | 1 | 0.94% |
| 26 | Midwest BankCentre cert 1058 | $114.3M | 1.15% | 1 | 0.94% |
| 27 | CNB St Louis Bank cert 4549 | $95.4M | 0.96% | 2 | 1.89% |
| 28 | The Missouri Bank cert 14036 | $82.3M | 0.83% | 2 | 1.89% |
| 29 | St. Johns Bank and Trust Company cert 8898 | $72.0M | 0.72% | 2 | 1.89% |
| 30 | BMO Bank National Association cert 16571 | $48.3M | 0.49% | 1 | 0.94% |
| 31 | HomeBank cert 14492 | $43.0M | 0.43% | 1 | 0.94% |
| 32 | Busey Bank cert 16450 | $38.3M | 0.38% | 1 | 0.94% |
| 33 | HNB National Bank cert 4540 | $33.0M | 0.33% | 1 | 0.94% |
| 34 | Bank of Franklin County cert 35543 | $21.1M | 0.21% | 1 | 0.94% |
| 35 | Bank of Springfield cert 19506 | $8.4M | 0.08% | 1 | 0.94% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Missouri, or read the methodology for the two HHI constructions and what they cannot tell you.