Banks in Charleston, MO

Bank branch map: Charleston

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: 3 banks and credit unions operate 4 locations in Charleston, according to the FDIC. 4 of them have coordinates on record and are on the map. ATMs and opening hours are not in the sources this page uses yet; each marker links to directions.

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 in Charleston

Sorted by number of local branches. Each branch shows where its hours and phone number come from.

Short answer: Focus Bank has the most locations in Charleston, with 2. The other 2 each 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.

Focus Bank 2 branches · main office Charleston, MO Bank · 2

Focus Bank has 2 branches in Charleston, 6 across Missouri and 11 nationwide. FDIC records list its main office in Charleston, MO and show it operating since 1930. With $854.1 million in total assets on June 30, 2026, it ranks No. 1,194 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Charleston location is its main office at 101 South Main Street, dating to 1930; the newest, at 101 S Main St, to 2009. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  101 South Main Street, 63834

  Hours: see the bank's site
  DirectionsWebsite
• Online Banking Branch

  101 S Main St, 63834

  Hours: see the bank's site
  DirectionsWebsite

Focus Bank: profile, branches and contacts

Citizens' Bank of Charleston 1 branch · main office Charleston, MO Bank · 1

Citizens' Bank of Charleston has 1 branch in Charleston, 2 across Missouri and 2 nationwide. FDIC records list its main office in Charleston, MO and show it operating since 1958. With $185.1 million in total assets on June 30, 2026, it ranks No. 3,098 of 4,232 U.S. banks by total assets. Its main office at 207 E Commercial St dates to 1958 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Main Office main office

  207 E Commercial St, 63834

  Hours: see the bank's site
  DirectionsWebsite

Citizens' Bank of Charleston: profile, branches and contacts

First State Bank and Trust Company 1 branch · main office Caruthersville, MO Bank · 1

First State Bank and Trust Company has 1 branch in Charleston, 10 across Missouri and 7 nationwide. FDIC records list its main office in Caruthersville, MO and show it operating since 1934. With $659.0 million in total assets on June 30, 2026, it ranks No. 1,443 of 4,232 U.S. banks by total assets. The Mississippi County Branch at 501 S Main St dates to 1945 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.

• Mississippi County Branch

  501 S Main St, 63834

  Hours: see the bank's site
  DirectionsWebsite

First State Bank and Trust Company: profile, branches and contacts

Banking in Charleston: the local picture

Short answer: 3 banks run 4 branches in Charleston 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 3 banks, 2 have their main office in Charleston, 1 elsewhere in Missouri, according to the FDIC.

The bank with the longest record here is Focus Bank, operating since 1930 according to the FDIC. In FDIC branch records, the longest-running branch is Focus Bank's office at 101 South Main Street, dating to 1930; the newest is Focus Bank's at 101 S Main St, from 2009.

None of the 4 locations here publishes hours in the sources this page uses. Each branch links to the bank's own site.

Chase, Bank of America and other national banks

Which big national banks have branches in Charleston, and where the nearest one is if they do not.

Short answer: No branches in Charleston: Chase (nearest in Arnold, 119 mi), Wells Fargo (nearest in Saint Louis, 127 mi), Bank of America (nearest in Festus, 106 mi), PNC Bank (nearest in De Soto, 107 mi), U.S. Bank (nearest in Sikeston, 13 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Louis, 129 mi), Regions Bank (nearest in Sikeston, 13 mi), TD Bank, BMO (nearest in Arnold, 119 mi).

Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Charleston 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%.

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 Charleston residents like anyone else.

Banks near Charleston

Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.

Short answer: The closest towns with more choice are East Prairie (10 miles) and Sikeston (13 miles). Cape Girardeau, 29 miles away, has the most banks nearby: 15.

Bank branch openings and closings in Charleston

FDIC branch records, between September 5, 2025 and September 5, 2026.

Short answer: FDIC branch records show no bank branch openings in Charleston between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.

Banks and credit unions based in Charleston

Short answer: 2 institutions have their main office in Charleston: Focus Bank and Citizens' Bank of Charleston.

Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.

Largest banks in Charleston by total assets

Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Charleston offices.

Short answer: Focus Bank is the largest bank with offices in Charleston, with $854.1 million in total assets on June 30, 2026, No. 1,194 among U.S. banks by total assets. First State Bank and Trust Company is second with $659.0 million. 2 of the 3 banks are headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.

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 Charleston: FAQ

How we build this page

Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.