US Bank Directory
Banks in De Soto, MO
4 FDIC-insured banks operate 5 offices in De Soto, 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: De Soto
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: 5 banks and credit unions operate 6 locations in De Soto, according to the FDIC and the NCUA. 6 of them have coordinates on record and are on the map. 2 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
6 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 De Soto
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First State Community Bank has the most locations in De Soto, with 2. The other 3 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.
First State Community Bank Bank · 2
First State Community Bank has 2 branches in De Soto, 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 De Soto location is the Desoto Branch at 328 N Main St, dating to 1962; the newest, at 1801 Old Boyd St, to 2006. It does not publish hours in the sources this page uses; check its site before you go.
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Desoto Branch - 21801 Old Boyd St, 63020
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Desoto Branch328 N Main St, 63020
De Soto Mo Pac Credit Union Credit union · 1
De Soto Mo Pac Credit Union has 1 office in De Soto, 1 across Missouri. It is based in De Soto, MO and $30.1 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office2082 Rock Rd, 63020
All hours
Mon to Fri 10 am to 5 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Enterprise Bank & Trust Bank · 1
Enterprise Bank & Trust has 1 branch in De Soto, 18 across Missouri and 57 nationwide. FDIC records list its main office in Clayton, MO and show it operating since 1988. With $17.36 billion in total assets on June 30, 2026, it ranks No. 115 of 4,232 U.S. banks by total assets. The De Soto Branch at 121 Jefferson Sq dates to 1996 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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De Soto Branch121 Jefferson Sq, 63020
Midwest BankCentre Bank · 1
Midwest BankCentre has 1 branch in De Soto, 18 across Missouri and 18 nationwide. FDIC records list its main office in Lemay, MO and show it operating since 1906. With $3.07 billion in total assets on June 30, 2026, it ranks No. 418 of 4,232 U.S. banks by total assets. The Desoto Branch at 2101 Rock Rd dates to 2000 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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Desoto Branch2101 Rock Rd, 63020
PNC Bank Bank · 1
PNC Bank has 1 branch in De Soto, 27 across Missouri and 2,413 nationwide. FDIC records list its main office in Wilmington, DE and show it operating since 1804. With $609.77 billion in total assets on June 30, 2026, it ranks No. 8 of 4,232 U.S. banks by total assets. The Desoto Branch at 224 S Main St dates to 1967 in FDIC branch records. It opens on Saturday.
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Desoto Branch224 S Main St, 63020
All hours
Mon not published; Tue to Fri 9 am to 5 pm; Sat 9 am to 1 pm; Sun not published
Hours: PNC Bank branch locator (All The Places), checked Oct 3, 2026
Join a credit union in De Soto
1 credit union has 1 office here: De Soto Mo Pac 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 De Soto page has every office in the state's directory.
Banking in De Soto: the local picture
Short answer: 4 banks run 5 branches in De Soto 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 4 banks, 0 have their main office in De Soto, 3 elsewhere in Missouri and 1 out of state, according to the FDIC.
The bank with the longest record here is PNC Bank, operating since 1804 according to the FDIC. In FDIC branch records, the longest-running branch is First State Community Bank's office at 328 N Main St, dating to 1962; the newest is First State Community Bank's at 1801 Old Boyd St, from 2006.
The only credit union with an office here is De Soto Mo Pac Credit Union.
Of the 2 locations with published hours. 1 opens on Saturday. 4 locations have no published hours in these sources.
Banks open on Saturday in De Soto
Short answer: 1 of the 2 De Soto locations with published hours opens on Saturday, run by 1 institution.
- PNC Bank: 1 of 1 branch (224 S Main St: Saturday 9 am to 1 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; 4 of the 6 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 De Soto, and where the nearest one is if they do not.
Short answer: In De Soto: PNC Bank (1). No branches in De Soto: Chase (nearest in Arnold, 23 mi), Wells Fargo (nearest in Saint Louis, 39 mi), Bank of America (nearest in Festus, 10 mi), U.S. Bank (nearest in Crystal City, 11 mi), Truist, Fifth Third Bank, Huntington (nearest in Saint Louis, 33 mi), Regions Bank (nearest in Arnold, 21 mi), TD Bank, BMO (nearest in Arnold, 23 mi).
| Bank | In De Soto | Nearest branch if none here |
|---|---|---|
| PNC Bank | 1 branch | here |
| Chase | None | Arnold, 23 miles away |
| Wells Fargo | None | Saint Louis, 39 miles away |
| Bank of America | None | Festus, 10 miles away |
| U.S. Bank | None | Crystal City, 11 miles away |
| Truist | None | none in Missouri |
| Fifth Third Bank | None | none in Missouri |
| Huntington | None | Saint Louis, 33 miles away |
| Regions Bank | None | Arnold, 21 miles away |
| TD Bank | None | none in Missouri |
| BMO | None | Arnold, 23 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of De Soto 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 De Soto residents like anyone else.
Banks near De Soto
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Hillsboro (6 miles) and Festus (10 miles). Festus, 10 miles away, has the most banks nearby: 8.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Hillsboro, MO | 6 mi | 3 | 3 |
| Banks in Festus, MO | 10 mi | 8 | 8 |
| Banks in Crystal City, MO | 11 mi | 3 | 3 |
| Banks in Pevely, MO | 14 mi | 2 | 2 |
| Banks in Bonne Terre, MO | 15 mi | 2 | 3 |
| Banks in Desloge, MO | 18 mi | 4 | 4 |
| Banks in Potosi, MO | 19 mi | 3 | 4 |
| Banks in Imperial, MO | 19 mi | 2 | 3 |
Bank branch openings and closings in De Soto
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in De Soto 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 De Soto
Short answer: 1 institution has its main office in De Soto: De Soto Mo Pac Credit Union.
| Institution | Type | Total assets, March 31, 2026 | Offices here |
|---|---|---|---|
| De Soto Mo Pac Credit Union | Credit union | $30.1 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in De Soto by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its De Soto offices.
Short answer: PNC Bank is the largest bank with offices in De Soto, with $609.77 billion in total assets on June 30, 2026, No. 8 among U.S. banks by total assets. Enterprise Bank & Trust is second with $17.36 billion. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| PNC Bank | $609.77 billion | No. 8 | 1 | Wilmington, DE |
| Enterprise Bank & Trust | $17.36 billion | No. 115 | 1 | Clayton, MO |
| First State Community Bank | $4.51 billion | No. 307 | 2 | Farmington, MO |
| Midwest BankCentre | $3.07 billion | No. 418 | 1 | Lemay, 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 De Soto: FAQ
How many banks are in De Soto, MO?
De Soto has 4 banks with 5 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 De Soto?
First State Community Bank, with 2. PNC Bank has 1 and Enterprise Bank & Trust has 1.
Is there a First State Community Bank in De Soto, MO?
Yes. FDIC data lists 2 First State Community Bank branches in De Soto as of September 5, 2026. Its branches are listed under First State Community Bank above, with the address and directions for each.
Is there a PNC Bank in De Soto, MO?
Yes. FDIC data lists 1 PNC Bank branch in De Soto as of September 5, 2026. The address and directions are under PNC Bank above.
Is there a Enterprise Bank & Trust in De Soto, MO?
Yes. FDIC data lists 1 Enterprise Bank & Trust branch in De Soto as of September 5, 2026. The address and directions are under Enterprise Bank & Trust above.
Is there a Chase in De Soto, MO?
No. FDIC data lists no Chase branch in De Soto as of September 5, 2026. The nearest is in Arnold, about 23 miles away in a straight line.
Which banks in De Soto are open on Saturday?
PNC Bank publishes Saturday hours for one or more De Soto locations. The Saturday section above lists each one with its hours. 4 of the 6 locations here do not publish hours in the sources this page uses; call ahead.
Which banks are headquartered in De Soto?
De Soto Mo Pac Credit Union has its main office in De Soto, according to the FDIC and the NCUA.
What is the oldest bank in De Soto?
PNC Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1804.
Which credit unions can I join in De Soto?
De Soto Mo Pac Credit Union has an office in De Soto. Check each credit union's membership rules before you apply.
Did any bank branches open or close in De Soto in the past year?
FDIC branch records show no 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 De Soto?
Nearby cities with more banks include Hillsboro, Festus, Crystal City. Hillsboro is 6 miles away with 3 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 (1 of 5 branches: PNC 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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