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Franklin County, MO Bank Deposit Market Share

Bank of Washington holds the largest share of deposits in Franklin County, MO, 21.2%, followed by Sullivan Bank (18.1%) and United Bank of Union (12.5%). 17 institutions hold $3.93B at 41 offices as of June 30, 2026, up 2.7% from 2025.

Institutions: 17 Offices: 41 Deposits: $3.93B Survey: FDIC Summary of Deposits, June 30, 2026

Largest share changes since 2025

Gained: Sullivan Bank (1.07 points); Heritage Community Bank (0.63 points); U.S. Bank N.A. (0.26 points).

Lost: Bank of Washington (-2.02 points); Farmers and Merchants Bank of St. Clair (-0.33 points); Citizens Bank (-0.17 points).

# Institution Offices Deposits Market share Share change from 2025 Deposit change
1 Bank of Washington 6 $832.2M 21.17% -2.02 pts -6.3%
2 Sullivan Bank 5 $710.5M 18.08% +1.07 pts 9.2%
3 United Bank of Union 3 $491.1M 12.49% +0.19 pts 4.3%
4 Bank of Franklin County 4 $330.9M 8.42% -0.02 pts 2.5%
5 First State Community Bank 4 $323.3M 8.23% +0.22 pts 5.5%
6 Citizens Bank 4 $305.4M 7.77% -0.17 pts 0.5%
7 U.S. Bank N.A. 3 $296.1M 7.53% +0.26 pts 6.3%
8 Heritage Community Bank 2 $182.4M 4.64% +0.63 pts 18.8%
9 Farmers and Merchants Bank of St. Clair 2 $174.2M 4.43% -0.33 pts -4.3%
10 Bank Star 1 $80.1M 2.04% -0.01 pts 2.0%
11 Peoples Bank 1 $42.7M 1.09% +0.04 pts 6.7%
12 PSB Bank 1 $42.1M 1.07% +0.05 pts 7.7%
13 PNC Bank, N.A. 1 $34.3M 0.87% -0.03 pts -0.6%
14 Midland States Bank 1 $33.5M 0.85% +0.03 pts 5.9%
15 FCNB Bank 1 $26.9M 0.69% +0.00 pts 3.3%
16 Legends Bank 1 $20.2M 0.51% +0.04 pts 11.1%
17 JPMorgan Chase Bank, N.A. 1 $4.8M 0.12% +0.05 pts 66.4%

About this list

Deposits are those held at each institution's offices in Franklin County as of June 30, 2026, from the FDIC Summary of Deposits, whatever state the institution is headquartered in. Market share is the institution's deposits divided by all deposits in the market. Shares are by bank charter, not rolled up to the holding company, and cover FDIC-insured institutions only, so credit unions are not included. Each office is placed in its county and metro area by the FDIC branch directory; the few offices the directory does not list are left out of the market and of every share.

Share change compares the institution's share in 2025 and 2026 in percentage points. Deposit change compares its deposits here in the two years and includes deposits that moved through mergers and branch sales; "New" means it had no offices here a year earlier. Offices that closed during the year are placed by their ZIP code or city.

Wider markets

Missouri deposits by institution St. Louis, MO-IL metro area Missouri bank directory

Other counties in Missouri

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