County banking markets / MO / 29189
St. LouisMissouri
FIPS 29189. 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 (450) and unconcentrated on deposits (710).
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
257 branch offices and 39 institutions in 1994; 299 and 54 in 2025. Deposits booked in the county went from $14.73B to $46.02B, 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 | Bank of America, National Association cert 3510 | $5.97B | 12.98% | 19 | 6.35% |
| 2 | U.S. Bank National Association cert 6548 | $5.82B | 12.64% | 31 | 10.37% |
| 3 | Commerce Bank cert 24998 | $5.77B | 12.54% | 22 | 7.36% |
| 4 | Enterprise Bank & Trust cert 27237 | $4.23B | 9.18% | 7 | 2.34% |
| 5 | Regions Bank cert 12368 | $2.32B | 5.05% | 22 | 7.36% |
| 6 | PNC Bank, National Association cert 6384 | $2.27B | 4.94% | 14 | 4.68% |
| 7 | First Bank cert 12229 | $2.19B | 4.76% | 17 | 5.69% |
| 8 | Midwest BankCentre cert 1058 | $1.73B | 3.77% | 9 | 3.01% |
| 9 | The Central Trust Bank cert 12633 | $1.42B | 3.09% | 9 | 3.01% |
| 10 | Cass Commercial Bank cert 1068 | $1.04B | 2.27% | 2 | 0.67% |
| 11 | M1 Bank cert 9797 | $1.02B | 2.22% | 2 | 0.67% |
| 12 | Simmons Bank cert 3890 | $926.2M | 2.01% | 13 | 4.35% |
| 13 | Parkside Financial Bank & Trust cert 58796 | $895.6M | 1.95% | 1 | 0.33% |
| 14 | St. Louis Bank cert 58018 | $847.6M | 1.84% | 1 | 0.33% |
| 15 | Busey Bank cert 16450 | $786.1M | 1.71% | 4 | 1.34% |
| 16 | Triad Bank cert 58121 | $776.1M | 1.69% | 2 | 0.67% |
| 17 | Carrollton Bank cert 12383 | $726.2M | 1.58% | 3 | 1.00% |
| 18 | BMO Bank National Association cert 16571 | $723.2M | 1.57% | 7 | 2.34% |
| 19 | CIBC Bank USA cert 33306 | $671.9M | 1.46% | 1 | 0.33% |
| 20 | CNB St Louis Bank cert 4549 | $627.4M | 1.36% | 4 | 1.34% |
| 21 | JPMorgan Chase Bank, National Association cert 628 | $522.1M | 1.13% | 15 | 5.02% |
| 22 | Sterling Bank cert 57813 | $445.5M | 0.97% | 2 | 0.67% |
| 23 | Royal Banks of Missouri cert 19512 | $396.8M | 0.86% | 9 | 3.01% |
| 24 | Midwest Regional Bank cert 8889 | $369.9M | 0.80% | 4 | 1.34% |
| 25 | First Mid Bank & Trust, National Association cert 3705 | $366.7M | 0.80% | 4 | 1.34% |
| 26 | Great Southern Bank cert 29546 | $360.7M | 0.78% | 12 | 4.01% |
| 27 | UMB Bank, National Association cert 8273 | $346.7M | 0.75% | 7 | 2.34% |
| 28 | Montgomery Bank cert 8255 | $321.5M | 0.70% | 7 | 2.34% |
| 29 | Lindell Bank & Trust Company cert 1073 | $307.1M | 0.67% | 8 | 2.68% |
| 30 | Midland States Bank cert 1040 | $272.5M | 0.59% | 7 | 2.34% |
| 31 | Commercial Bank cert 27409 | $250.2M | 0.54% | 4 | 1.34% |
| 32 | St. Johns Bank and Trust Company cert 8898 | $198.2M | 0.43% | 2 | 0.67% |
| 33 | American Bank of Freedom cert 15423 | $186.1M | 0.40% | 2 | 0.67% |
| 34 | FCB Banks cert 33005 | $160.1M | 0.35% | 3 | 1.00% |
| 35 | SULLIVAN BANK cert 8892 | $105.7M | 0.23% | 1 | 0.33% |
| 36 | Peoples National Bank , N.A. cert 3809 | $93.9M | 0.20% | 2 | 0.67% |
| 37 | Southern Bank cert 28332 | $81.0M | 0.18% | 1 | 0.33% |
| 38 | Paramount Bank cert 57884 | $73.7M | 0.16% | 1 | 0.33% |
| 39 | Academy Bank, National Association cert 19600 | $62.6M | 0.14% | 3 | 1.00% |
| 40 | The Northern Trust Company cert 913 | $61.5M | 0.13% | 1 | 0.33% |
| 41 | State Bank cert 12706 | $46.2M | 0.10% | 1 | 0.33% |
| 42 | Farmers and Merchants Bank of St. Clair cert 14056 | $46.0M | 0.10% | 1 | 0.33% |
| 43 | Cadence Bank cert 11813 | $40.6M | 0.09% | 1 | 0.33% |
| 44 | Bank of Springfield cert 19506 | $34.1M | 0.07% | 1 | 0.33% |
| 45 | First State Bank of St. Charles, Missouri cert 12219 | $19.7M | 0.04% | 1 | 0.33% |
| 46 | FCNB Bank cert 1639 | $18.9M | 0.04% | 1 | 0.33% |
| 47 | CNB Bank and Trust, N.A. cert 3775 | $17.8M | 0.04% | 1 | 0.33% |
| 48 | Bank of Washington cert 12627 | $13.9M | 0.03% | 1 | 0.33% |
| 49 | Bank Star cert 21897 | $8.5M | 0.02% | 1 | 0.33% |
| 50 | Associated Bank, National Association cert 5296 | $8.5M | 0.02% | 1 | 0.33% |
| 51 | The Bank of Houston cert 13960 | $5.0M | 0.01% | 1 | 0.33% |
| 52 | Bank of Franklin County cert 35543 | $4.4M | 0.01% | 1 | 0.33% |
| 53 | Edward Jones Trust Company cert 28390 | $500K | 0.00% | 1 | 0.33% |
| 54 | Stifel Bank and Trust cert 57311 | $0K | 0.00% | 1 | 0.33% |
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.