County banking markets / MO / 29510
St. Louis (City)Missouri
FIPS 29510. 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 (657) and moderately concentrated on deposits (2,162).
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
78 branch offices and 24 institutions in 1994; 66 and 26 in 2025. Deposits booked in the county went from $6.52B to $50.66B, 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 | Stifel Bank and Trust cert 57311 | $16.86B | 33.28% | 1 | 1.52% |
| 2 | Stifel Bank cert 57358 | $10.73B | 21.18% | 1 | 1.52% |
| 3 | Bank of America, National Association cert 3510 | $9.16B | 18.07% | 5 | 7.58% |
| 4 | U.S. Bank National Association cert 6548 | $8.13B | 16.05% | 11 | 16.67% |
| 5 | UMB Bank, National Association cert 8273 | $1.96B | 3.87% | 1 | 1.52% |
| 6 | Stifel Trust Company, National Association cert 33785 | $851.8M | 1.68% | 1 | 1.52% |
| 7 | BMO Bank National Association cert 16571 | $687.5M | 1.36% | 3 | 4.55% |
| 8 | Carrollton Bank cert 12383 | $426.9M | 0.84% | 1 | 1.52% |
| 9 | Commerce Bank cert 24998 | $359.3M | 0.71% | 6 | 9.09% |
| 10 | Simmons Bank cert 3890 | $335.9M | 0.66% | 2 | 3.03% |
| 11 | Midwest BankCentre cert 1058 | $247.4M | 0.49% | 4 | 6.06% |
| 12 | Lindell Bank & Trust Company cert 1073 | $140.1M | 0.28% | 2 | 3.03% |
| 13 | PNC Bank, National Association cert 6384 | $140.0M | 0.28% | 3 | 4.55% |
| 14 | Busey Bank cert 16450 | $117.8M | 0.23% | 3 | 4.55% |
| 15 | First Mid Bank & Trust, National Association cert 3705 | $100.7M | 0.20% | 2 | 3.03% |
| 16 | Regions Bank cert 12368 | $95.6M | 0.19% | 3 | 4.55% |
| 17 | Enterprise Bank & Trust cert 27237 | $61.3M | 0.12% | 2 | 3.03% |
| 18 | Royal Banks of Missouri cert 19512 | $58.1M | 0.11% | 2 | 3.03% |
| 19 | Cass Commercial Bank cert 1068 | $54.9M | 0.11% | 1 | 1.52% |
| 20 | JPMorgan Chase Bank, National Association cert 628 | $37.1M | 0.07% | 3 | 4.55% |
| 21 | Midland States Bank cert 1040 | $29.8M | 0.06% | 1 | 1.52% |
| 22 | First Bank cert 12229 | $28.2M | 0.06% | 3 | 4.55% |
| 23 | Great Southern Bank cert 29546 | $27.7M | 0.05% | 2 | 3.03% |
| 24 | Peoples National Bank , N.A. cert 3809 | $22.3M | 0.04% | 1 | 1.52% |
| 25 | EverBank, National Association cert 34775 | $0K | 0.00% | 1 | 1.52% |
| 26 | Wells Fargo Bank, National Association cert 3511 | $0K | 0.00% | 1 | 1.52% |
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.