US Bank Directory
Banks in Cape Girardeau, MO
15 FDIC-insured banks operate 23 offices in Cape Girardeau, Missouri, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026; hours checked October 10, 2026.
Bank branch map: Cape Girardeau
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 16 banks and credit unions operate 24 locations in Cape Girardeau, according to the FDIC and the NCUA. 24 of them have coordinates on record and are on the map. 4 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
24 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Cape Girardeau
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: The Bank of Missouri has the most locations in Cape Girardeau, with 3. It is followed by U.S. Bank (2), Southern Bank (2), First State Community Bank (2). 8 banks have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
The Bank of Missouri Bank · 3
The Bank of Missouri has 3 branches in Cape Girardeau, 32 across Missouri and 32 nationwide. FDIC records list its main office in Perryville, MO and show it operating since 1891. With $4.23 billion in total assets on June 30, 2026, it ranks No. 326 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Girardeau Branch at 1622 N Kingshighway St, dating to 1997; the newest, at 440 Broadway St, to 2003. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau Branch1622 N Kingshighway St, 63701
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Cape Girardeau Branch3427 William St, 63701
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Broadway Branch440 Broadway St, 63701
First State Community Bank Bank · 2
First State Community Bank has 2 branches in Cape Girardeau, 53 across Missouri and 53 nationwide. FDIC records list its main office in Farmington, MO and show it operating since 1954. With $4.51 billion in total assets on June 30, 2026, it ranks No. 307 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Giradeau Branch at 1602 N Kingshighway St, dating to 2003; the newest, at 2527 William St, to 2005. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Giradeau Branch1602 N Kingshighway St, 63701
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Cape Girardeau Branch2527 William St, 63703
Fm Bank And Trust Bank · 2
Fm Bank And Trust has 2 branches in Cape Girardeau, 7 across Missouri and 16 nationwide. FDIC records list its main office in Blytheville, AR and show it operating since 1908. With $1.36 billion in total assets on June 30, 2026, it ranks No. 811 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Rock Branch at 800 N Kingshighway St, dating to 2011; the newest, at 2 S Mount Auburn Rd, to 2026. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Branch2 S Mount Auburn Rd, 63703
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Cape Rock Branch800 N Kingshighway St, 63701
Montgomery Bank Bank · 2
Montgomery Bank has 2 branches in Cape Girardeau, 12 across Missouri and 12 nationwide. FDIC records list its main office in Sikeston, MO and show it operating since 1934. With $1.18 billion in total assets on June 30, 2026, it ranks No. 906 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Girardeau - Broadway Branch at 2027 Broadway St, dating to 1991; the newest, at 200 S Mount Auburn Rd, to 2007. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau - Mount Auburn Branch200 S Mount Auburn Rd, 63703
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Cape Girardeau - Broadway Branch2027 Broadway St, 63701
MRV Banks Bank · 2
MRV Banks has 2 branches in Cape Girardeau, 5 across Missouri and 5 nationwide. FDIC records list its main office in Sainte Genevieve, MO and show it operating since 2007. With $803.1 million in total assets on June 30, 2026, it ranks No. 1,259 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Girardeau Branch at 1505 N Mount Auburn Rd, dating to 2013; the newest, at 101 S Mount Auburn Rd, to 2021. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau Branch101 S Mount Auburn Rd, 63703
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Cape Girardeau Branch1505 N Mount Auburn Rd, 63701
Southern Bank Bank · 2
Southern Bank has 2 branches in Cape Girardeau, 55 across Missouri and 69 nationwide. FDIC records list its main office in Poplar Bluff, MO and show it operating since 1887. With $5.19 billion in total assets on June 30, 2026, it ranks No. 284 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape Girardeau - Williams St Facility at 3168 William St, dating to 1997; the newest, at 380 N Kingshighway St, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau - Williams St Facility3168 William St, 63703
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Cape Girardeau - Kingshighway Facility380 N Kingshighway St, 63701
U.S. Bank Bank · 2
U.S. Bank has 2 branches in Cape Girardeau, 129 across Missouri and 2,097 nationwide. FDIC records list its main office in Cincinnati, OH and show it operating since 1863. With $705.55 billion in total assets on June 30, 2026, it ranks No. 6 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Cape Girardeau location is the Cape North Kingshighway Branch at 325 N Kingshighway St, dating to 1904; the newest, at 3060 William St, to 1995. None of its 2 Cape Girardeau locations with published hours lists Saturday hours.
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Cape William Street Branch3060 William St, 63703
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
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Cape North Kingshighway Branch325 N Kingshighway St, 63701
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat to Sun not published
Hours: U.S. Bank branch locator (All The Places), checked Oct 10, 2026
1NB Bank Bank · 1
1NB Bank has 1 branch in Cape Girardeau, 1 across Missouri and 5 nationwide. FDIC records list its main office in Carlyle, IL and show it operating since 1878. With $319.0 million in total assets on June 30, 2026, it ranks No. 2,388 of 4,232 U.S. banks by total assets. The Cape Girardeau Branch at 1610 N Kingshighway St dates to 2026 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau Branch1610 N Kingshighway St, 63701
Alliance Bank Bank · 1
Alliance Bank has 1 branch in Cape Girardeau, 5 across Missouri and 5 nationwide. FDIC records list its main office in Cape Girardeau, MO and show it operating since 1997. With $391.3 million in total assets on June 30, 2026, it ranks No. 2,106 of 4,232 U.S. banks by total assets. Its main office at 217 N Kingshighway St dates to 1997 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office217 N Kingshighway St, 63701
Banterra Bank Bank · 1
Banterra Bank has 1 branch in Cape Girardeau, 3 across Missouri and 43 nationwide. FDIC records list its main office in Marion, IL and show it operating since 1955. With $3.36 billion in total assets on June 30, 2026, it ranks No. 383 of 4,232 U.S. banks by total assets. The Cape - 4500 at 1650 N Kingshighway St dates to 2008 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Cape - 45001650 N Kingshighway St, 63701
Commerce Bank Bank · 1
Commerce Bank has 1 branch in Cape Girardeau, 89 across Missouri and 154 nationwide. FDIC records list its main office in Kansas City, MO and show it operating since 1984. With $35.02 billion in total assets on June 30, 2026, it ranks No. 61 of 4,232 U.S. banks by total assets. The Cape Girardeau Branch at 160 S Broadview St dates to 1984 in FDIC branch records. It opens on Saturday.
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Cape Girardeau Branch160 S Broadview St, 63703
All hours
Mon to Fri 9 am to 4 pm; Sat 9 am to 12 pm; Sun not published
Hours: Commerce Bank branch locator (All The Places), checked Oct 10, 2026
First Midwest Bank of Dexter Bank · 1
First Midwest Bank of Dexter has 1 branch in Cape Girardeau, 8 across Missouri and 8 nationwide. FDIC records list its main office in Dexter, MO and show it operating since 1964. With $652.0 million in total assets on June 30, 2026, it ranks No. 1,458 of 4,232 U.S. banks by total assets. The Cape Girardeau Branch at 1820 N Kingshighway St dates to 2013 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girardeau Branch1820 N Kingshighway St, 63701
Ozark Credit Union Credit union · 1
Ozark Credit Union has 1 office in Cape Girardeau, 8 across Missouri. It is based in Poplar Bluff, MO and $142.8 million in assets on March 31, 2026, according to its NCUA call report. It opens on Saturday.
Who can join: see the credit union's site.
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Cape Girardeau2427 Cape Centre Dr, 63703
All hours
Mon to Thu 8:30 am to 4:30 pm; Fri to Sat 8:30 am to 5 pm; Sun not published
Hours: NCUA, March 31, 2026
Regions Bank Bank · 1
Regions Bank has 1 branch in Cape Girardeau, 49 across Missouri and 1,256 nationwide. FDIC records list its main office in Birmingham, AL and show it operating since 1928. With $159.79 billion in total assets on June 30, 2026, it ranks No. 27 of 4,232 U.S. banks by total assets. The 407 N Kingshighway Branch at 407 N Kingshighway St dates to 1931 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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407 N Kingshighway Branch407 N Kingshighway St, 63701
Sterling Bank Bank · 1
Sterling Bank has 1 branch in Cape Girardeau, 11 across Missouri and 16 nationwide. FDIC records list its main office in Poplar Bluff, MO and show it operating since 2004. With $1.56 billion in total assets on June 30, 2026, it ranks No. 720 of 4,232 U.S. banks by total assets. The Cape Girandeau Branch at 17 S Mount Auburn Rd dates to 2003 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Cape Girandeau Branch17 S Mount Auburn Rd, 63703
Wood & Huston Bank Bank · 1
Wood & Huston Bank has 1 branch in Cape Girardeau, 12 across Missouri and 12 nationwide. FDIC records list its main office in Marshall, MO and show it operating since 1874. With $1.23 billion in total assets on June 30, 2026, it ranks No. 877 of 4,232 U.S. banks by total assets. The 111 South Broadview Street Branch at 111 S Broadview St dates to 1981 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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111 South Broadview Street Branch111 S Broadview St, 63703
Join a credit union in Cape Girardeau
1 credit union has 1 office here: Ozark Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Cape Girardeau page has every office in the state's directory.
Banking in Cape Girardeau: the local picture
Short answer: 15 banks run 23 branches in Cape Girardeau according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 15 banks, 1 has its main office in Cape Girardeau, 9 elsewhere in Missouri and 5 out of state, according to the FDIC.
The bank with the longest record here is U.S. Bank, operating since 1863 according to the FDIC. In FDIC branch records, the longest-running branch is U.S. Bank's office at 325 N Kingshighway St, dating to 1904; the newest is 1NB Bank's at 1610 N Kingshighway St, from 2026.
The only credit union with an office here is Ozark Credit Union.
Of the 4 locations with published hours. 2 open on Saturday. 20 locations have no published hours in these sources.
Banks by ZIP code in Cape Girardeau
Offices grouped by the ZIP code in their FDIC or NCUA record.
Short answer: ZIP 63701 has the most bank and credit union offices in Cape Girardeau (14), followed by 63703 (10). Offices are spread across 2 ZIP codes.
| ZIP code | Offices | Institutions | Most offices |
|---|---|---|---|
| 63701 | 14 | 12 | The Bank of Missouri, 1NB Bank, Alliance Bank |
| 63703 | 10 | 10 | Commerce Bank, First State Community Bank, Fm Bank And Trust |
Banks and credit unions open on Saturday in Cape Girardeau
Short answer: 2 of the 4 Cape Girardeau locations with published hours open on Saturday, run by 2 institutions.
- Commerce Bank: 1 of 1 branch (160 S Broadview St: Saturday 9 am to 12 pm)
- Ozark Credit Union: 1 of 1 office (2427 Cape Centre Dr: Saturday 8:30 am to 5 pm)
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 20 of the 24 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Cape Girardeau, and where the nearest one is if they do not.
Short answer: In Cape Girardeau: U.S. Bank (2), Regions Bank (1). No branches in Cape Girardeau: Chase (nearest in Arnold, 89 mi), Wells Fargo (nearest in Saint Louis, 98 mi), Bank of America (nearest in Festus, 77 mi), PNC Bank (nearest in De Soto, 79 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Louis, 100 mi), TD Bank, BMO (nearest in Arnold, 90 mi).
| Bank | In Cape Girardeau | Nearest branch if none here |
|---|---|---|
| U.S. Bank | 2 branches | here |
| Regions Bank | 1 branch | here |
| Chase | None | Arnold, 89 miles away |
| Wells Fargo | None | Saint Louis, 98 miles away |
| Bank of America | None | Festus, 77 miles away |
| PNC Bank | None | De Soto, 79 miles away |
| Truist | None | none in Missouri |
| Fifth Third Bank | None | none in Missouri |
| Huntington | None | Saint Louis, 100 miles away |
| TD Bank | None | none in Missouri |
| BMO | None | Arnold, 90 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Cape Girardeau to the nearest branch in Missouri.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Cape Girardeau residents like anyone else.
Banks near Cape Girardeau
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Jackson (6 miles) and Chaffee (10 miles). Jackson, 6 miles away, has the most banks nearby: 12.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Jackson, MO | 6 mi | 12 | 13 |
| Banks in Chaffee, MO | 10 mi | 2 | 2 |
| Banks in Marble Hill, MO | 23 mi | 2 | 2 |
| Banks in Advance, MO | 24 mi | 2 | 3 |
| Banks in Charleston, MO | 29 mi | 3 | 4 |
| Banks in Sikeston, MO | 30 mi | 9 | 11 |
| Banks in Perryville, MO | 33 mi | 7 | 9 |
| Banks in Bloomfield, MO | 36 mi | 2 | 2 |
Bank branch openings and closings in Cape Girardeau
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show 2 branch openings in Cape Girardeau between September 5, 2025 and September 5, 2026.
| Date | Change | Bank | Address |
|---|---|---|---|
| Jun 15, 2026 | Opened | 1NB Bank | 1610 N Kingshighway St, 63701 |
| Jan 1, 2026 | Opened | Fm Bank And Trust | 2 S Mount Auburn Rd, 63703 |
Effective dates as recorded in FDIC BankFind branch history. Closings and relocations are not tracked by the sources this page uses yet. Credit union offices are not included; the NCUA does not publish opening dates.
Banks and credit unions based in Cape Girardeau
Short answer: 1 institution has its main office in Cape Girardeau: Alliance Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| Alliance Bank | Bank | $391.3 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Cape Girardeau by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Cape Girardeau offices.
Short answer: U.S. Bank is the largest bank with offices in Cape Girardeau, with $705.55 billion in total assets on June 30, 2026, No. 6 among U.S. banks by total assets. Regions Bank is second with $159.79 billion. 1 of the 15 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| U.S. Bank | $705.55 billion | No. 6 | 2 | Cincinnati, OH |
| Regions Bank | $159.79 billion | No. 27 | 1 | Birmingham, AL |
| Commerce Bank | $35.02 billion | No. 61 | 1 | Kansas City, MO |
| Southern Bank | $5.19 billion | No. 284 | 2 | Poplar Bluff, MO |
| First State Community Bank | $4.51 billion | No. 307 | 2 | Farmington, MO |
| The Bank of Missouri | $4.23 billion | No. 326 | 3 | Perryville, MO |
| Banterra Bank | $3.36 billion | No. 383 | 1 | Marion, IL |
| Sterling Bank | $1.56 billion | No. 720 | 1 | Poplar Bluff, MO |
| Fm Bank And Trust | $1.36 billion | No. 811 | 2 | Blytheville, AR |
| Wood & Huston Bank | $1.23 billion | No. 877 | 1 | Marshall, MO |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Cape Girardeau: FAQ
How many banks are in Cape Girardeau, MO?
Cape Girardeau has 15 banks with 23 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Cape Girardeau?
The Bank of Missouri, with 3. U.S. Bank has 2 and Southern Bank has 2.
Is there a The Bank of Missouri in Cape Girardeau, MO?
Yes. FDIC data lists 3 The Bank of Missouri branches in Cape Girardeau as of September 5, 2026. Its branches are listed under The Bank of Missouri above, with the address and directions for each.
Is there a U.S. Bank in Cape Girardeau, MO?
Yes. FDIC data lists 2 U.S. Bank branches in Cape Girardeau as of September 5, 2026. Its branches are listed under U.S. Bank above, with the address and directions for each.
Is there a Southern Bank in Cape Girardeau, MO?
Yes. FDIC data lists 2 Southern Bank branches in Cape Girardeau as of September 5, 2026. Its branches are listed under Southern Bank above, with the address and directions for each.
Is there a Chase in Cape Girardeau, MO?
No. FDIC data lists no Chase branch in Cape Girardeau as of September 5, 2026. The nearest is in Arnold, about 89 miles away in a straight line.
Which banks in Cape Girardeau are open on Saturday?
Commerce Bank and Ozark Credit Union publish Saturday hours for one or more Cape Girardeau locations. The Saturday section above lists each one with its hours. 20 of the 24 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in Cape Girardeau?
Alliance Bank has its main office in Cape Girardeau, according to the FDIC.
What is the oldest bank in Cape Girardeau?
U.S. Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1863.
Which credit unions can I join in Cape Girardeau?
Ozark Credit Union has an office in Cape Girardeau. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Cape Girardeau in the past year?
FDIC branch records show 2 branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Cape Girardeau?
Nearby cities with more banks include Jackson, Chaffee, Marble Hill. Jackson is 6 miles away with 12 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Bank branch hours, phones and branch pages (3 of 23 branches: Commerce Bank, U.S. Bank) | The banks' own branch locators, collected by All The Places | CC0 (All The Places data); each bank's locator is the primary source | Weekly spider run, monthly refresh here | Oct 10, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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