Explore the banking institutions serving the St. Louis commercial real estate market. The rankings below use FDIC data to compare institutions by assets, deposits, branch presence, and CRE lending — not by CRE lending activity itself, which FDIC data can only establish for banks actually headquartered here.
Largest Banking Institutions in St. Louis, by Assets
Institutions headquartered in the St. Louis metro. Ranked by total (bank-wide) assets — not a measure of St. Louis-specific size, which FDIC data can't establish (see Sources).
| # | Institution | Total assets |
|---|---|---|
| 1 | Stifel Bank and Trust | $19.62bn |
| 2 | Enterprise Bank & Trust | $17.36bn |
| 3 | Stifel Bank | $14.62bn |
| 4 | First Bank | $6.65bn |
| 5 | Midwest BankCentre | $3.07bn |
| 6 | FCB Banks | $2.64bn |
| 7 | SULLIVAN BANK | $1.40bn |
| 8 | Cass Commercial Bank | $1.33bn |
| 9 | Bank of Washington | $1.15bn |
| 10 | St. Louis Bank | $1.11bn |
| 11 | Triad Bank | $1.11bn |
| 12 | Parkside Financial Bank & Trust | $1.08bn |
| 13 | Royal Banks of Missouri | $1.03bn |
| 14 | The Bank of Old Monroe | $0.99bn |
| 15 | Midwest Regional Bank | $0.95bn |
Largest CRE Books, Headquartered in St. Louis
Same population as the assets table above — not branch presence, which would seat a national bank's entire balance sheet here on the strength of a single branch. Ranked by current-quarter investor CRE loans (construction, multifamily, non-owner-occupied commercial), $100 million floor.
| # | Institution | CRE book |
|---|---|---|
| 1 | Enterprise Bank & Trust | $3.77bn |
| 2 | Stifel Bank and Trust | $1.36bn |
| 3 | First Bank | $1.28bn |
| 4 | Midwest BankCentre | $1.14bn |
| 5 | FCB Banks | $0.70bn |
| 6 | Royal Banks of Missouri | $0.43bn |
| 7 | SULLIVAN BANK | $0.43bn |
| 8 | Bank of Washington | $0.40bn |
| 9 | St. Louis Bank | $0.38bn |
| 10 | Midwest Regional Bank | $0.36bn |
| 11 | Triad Bank | $0.34bn |
| 12 | Parkside Financial Bank & Trust | $0.31bn |
| 13 | The Bank of Old Monroe | $0.29bn |
| 14 | CNB St Louis Bank | $0.25bn |
| 15 | First National Bank of Waterloo | $0.20bn |
9 money-center/specialty charters excluded from population, same list as the state CRE-size pages.
Largest Banks in St. Louis, by Deposits
Institutions with at least one St. Louis branch. Ranked by deposits actually booked at a St. Louis office — real local presence, unlike the assets table above.
| # | Institution | St. Louis deposits | St. Louis branches | Largest office |
|---|---|---|---|---|
| 1 | U.S. Bank National Association | $17.52bn | 73 | 42% |
| 2 | Bank of America, National Association | $16.79bn | 32 | 48% |
| 3 | Commerce Bank | $7.90bn | 39 | 29% |
| 4 | Enterprise Bank & Trust | $5.33bn | 16 | 53% |
| 5 | Regions Bank | $4.64bn | 59 | 25% |
| 6 | PNC Bank, National Association | $3.00bn | 28 | 46% |
| 7 | Carrollton Bank | $2.81bn | 11 | 16% |
| 8 | First Bank | $2.73bn | 30 | 31% |
| 9 | UMB Bank, National Association | $2.72bn | 14 | 72% |
| 10 | Busey Bank | $2.50bn | 20 | 18% |
| 11 | Midwest BankCentre | $2.49bn | 18 | 27% |
| 12 | FCB Banks | $2.15bn | 20 | 18% |
| 13 | The Central Trust Bank | $1.82bn | 17 | 31% |
| 14 | BMO Bank National Association | $1.56bn | 13 | 40% |
| 15 | First Mid Bank & Trust, National Association | $1.40bn | 19 | 26% |
Stifel Bank and Trust reports $16.86B of deposits at 2 St. Louis-area offices and is not ranked here. Stifel Bank reports $10.73B of deposits at 1 St. Louis-area office and is not ranked here. Enterprise Bank & Trust: $2.8B of its St. Louis deposits are booked at a single Clayton office; its other 15 St. Louis branches hold $2.5B. UMB Bank, National Association: $2.0B of its St. Louis deposits are booked at a single Saint Louis office; its other 13 St. Louis branches hold $0.8B. Deposits are as FDIC reports them, by the office where they are booked - not necessarily where the underlying relationship or customer is.
Banks With the Most St. Louis Branches
Same population as the deposits table above, ranked by branch count.
| # | Institution | St. Louis branches | St. Louis deposits |
|---|---|---|---|
| 1 | U.S. Bank National Association | 73 | $17.52bn |
| 2 | Regions Bank | 59 | $4.64bn |
| 3 | Commerce Bank | 39 | $7.90bn |
| 4 | Bank of America, National Association | 32 | $16.79bn |
| 5 | First Bank | 30 | $2.73bn |
| 6 | JPMorgan Chase Bank, National Association | 28 | $0.79bn |
| 7 | PNC Bank, National Association | 28 | $3.00bn |
| 8 | Great Southern Bank | 21 | $0.53bn |
| 9 | Busey Bank | 20 | $2.50bn |
| 10 | FCB Banks | 20 | $2.15bn |
| 11 | First Mid Bank & Trust, National Association | 19 | $1.40bn |
| 12 | Midwest BankCentre | 18 | $2.49bn |
| 13 | Simmons Bank | 18 | $1.39bn |
| 14 | Midland States Bank | 17 | $1.39bn |
| 15 | The Central Trust Bank | 17 | $1.82bn |
Stifel Bank and Trust reports $16.86B of deposits at 2 St. Louis-area offices and is not ranked here. Stifel Bank reports $10.73B of deposits at 1 St. Louis-area office and is not ranked here.
What does this mean for CRE borrowers?
Bank size, deposits, and local branch presence are useful indicators of an institution's scale and footprint in St. Louis, but they don't tell you a bank's CRE lending appetite, property-type focus, or how it prices a deal like yours. A bank near the top of these lists may not lend on your property type at all; a bank you've never heard of may be exactly the right fit. Use Lender Compass to identify lenders based on property type, loan type, geography, and other deal characteristics — not bank size alone.
Sources & methodology
Geography: the St. Louis MSA (FDIC MSA code 41180) — not statewide, not a hand-assembled county list. Every branch and institution figure above is scoped to this MSA using FDIC's own MSA classification.
Assets and CRE book tables use institutions whose main office is registered in the St. Louis MSA, not merely a branch — a bank's total assets or CRE book has no geographic allocation to a single branch, so a branch-presence population would seat a national bank's entire balance sheet here on the strength of one office. Active institutions only, checked against FDIC's current status, not a fixed list — a bank that merges away next quarter drops out automatically.
Deposits and branch-count tables use any institution with a St. Louis branch, since FDIC's Summary of Deposits survey specifically allocates deposits to the office where they're booked — the one figure that genuinely reflects local presence. Recently-merged institutions are shown under their prior charter with the successor named, since the historical St. Louis presence is real regardless of what happened to the charter since; when the successor also lands in the same table, a note states the combined figure.
CRE book means investor commercial real estate loans — construction & land development, multifamily (5+ unit residential), and non-owner-occupied commercial property — per FDIC Call Report Schedule RC-C. It excludes owner-occupied CRE, which is reported separately and generally reflects a business's own real estate rather than third-party lending.