US Bank Directory
Banks in Osceola, MO
2 FDIC-insured banks operate 3 offices in Osceola, Missouri.
Source: FDIC BankFind, data as of September 5, 2026.
Bank branch map: Osceola
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: 2 banks and credit unions operate 3 locations in Osceola, according to the FDIC. 3 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.
Branches: FDIC, NCUA. Streets: loading.
3 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 in Osceola
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: St. Clair County State Bank has the most locations in Osceola, with 2. The other 1 has 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.
St. Clair County State Bank Bank · 2
St. Clair County State Bank has 2 branches in Osceola, 4 across Missouri and 4 nationwide. FDIC records list its main office in Osceola, MO and show it operating since 1896. With $231.8 million in total assets on June 30, 2026, it ranks No. 2,819 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Osceola location is its main office at 680 2nd St, dating to 1896; the newest, at 710 Chestnut Street, to 1981. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office680 2nd St, 64776
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Osceola Drive-Thru Branch710 Chestnut Street, 64776
Hawthorn Bank Bank · 1
Hawthorn Bank has 1 branch in Osceola, 17 across Missouri and 18 nationwide. FDIC records list its main office in Jefferson City, MO and show it operating since 1911. With $1.76 billion in total assets on June 30, 2026, it ranks No. 657 of 4,232 U.S. banks by total assets. The Osceola Branch at 4th And Chestnut dates to 1991 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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Osceola Branch4th And Chestnut, 64776
Banking in Osceola: the local picture
Short answer: 2 banks run 3 branches in Osceola 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 2 banks, 1 has its main office in Osceola, 1 elsewhere in Missouri, according to the FDIC.
The bank with the longest record here is St. Clair County State Bank, operating since 1896 according to the FDIC. In FDIC branch records, the longest-running branch is St. Clair County State Bank's office at 680 2nd St, dating to 1896; the newest is Hawthorn Bank's at 4th And Chestnut, from 1991.
None of the 3 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 Osceola, and where the nearest one is if they do not.
Short answer: No branches in Osceola: Chase (nearest in Springfield, 65 mi), Wells Fargo (nearest in Saint Louis, 193 mi), Bank of America (nearest in Springfield, 60 mi), PNC Bank (nearest in Lee'S Summit, 72 mi), U.S. Bank (nearest in Clinton, 23 mi), Truist, Fifth Third Bank, Huntington (nearest in Springfield, 61 mi), Regions Bank (nearest in Republic, 65 mi), TD Bank, BMO (nearest in Lees Summit, 67 mi).
| Bank | In Osceola | Nearest branch if none here |
|---|---|---|
| Chase | None | Springfield, 65 miles away |
| Wells Fargo | None | Saint Louis, 193 miles away |
| Bank of America | None | Springfield, 60 miles away |
| PNC Bank | None | Lee'S Summit, 72 miles away |
| U.S. Bank | None | Clinton, 23 miles away |
| Truist | None | none in Missouri |
| Fifth Third Bank | None | none in Missouri |
| Huntington | None | Springfield, 61 miles away |
| Regions Bank | None | Republic, 65 miles away |
| TD Bank | None | none in Missouri |
| BMO | None | Lees Summit, 67 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Osceola 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 Osceola residents like anyone else.
Banks near Osceola
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are El Dorado Springs (21 miles) and Clinton (23 miles). Clinton, 23 miles away, has the most banks nearby: 6.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in El Dorado Springs, MO | 21 mi | 4 | 4 |
| Banks in Clinton, MO | 23 mi | 6 | 6 |
| Banks in Warsaw, MO | 23 mi | 4 | 4 |
| Banks in Stockton, MO | 25 mi | 3 | 3 |
| Banks in Bolivar, MO | 35 mi | 6 | 9 |
| Banks in Butler, MO | 38 mi | 3 | 4 |
| Banks in Nevada, MO | 38 mi | 6 | 6 |
| Banks in Adrian, MO | 42 mi | 2 | 2 |
Bank branch openings and closings in Osceola
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Osceola 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 Osceola
Short answer: 1 institution has its main office in Osceola: St. Clair County State Bank.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| St. Clair County State Bank | Bank | $231.8 million | 2 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Osceola by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Osceola offices.
Short answer: Hawthorn Bank is the largest bank with offices in Osceola, with $1.76 billion in total assets on June 30, 2026, No. 657 among U.S. banks by total assets. St. Clair County State Bank is second with $231.8 million. 1 of the 2 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 |
|---|---|---|---|---|
| Hawthorn Bank | $1.76 billion | No. 657 | 1 | Jefferson City, MO |
| St. Clair County State Bank | $231.8 million | No. 2,819 | 2 | Osceola, 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 Osceola: FAQ
How many banks are in Osceola, MO?
Osceola has 2 banks with 3 branches, according to FDIC data as of September 5, 2026.
Which bank has the most branches in Osceola?
St. Clair County State Bank, with 2. Hawthorn Bank has 1.
Is there a St. Clair County State Bank in Osceola, MO?
Yes. FDIC data lists 2 St. Clair County State Bank branches in Osceola as of September 5, 2026, the main office at 680 2nd St. Its branches are listed under St. Clair County State Bank above, with the address and directions for each.
Is there a Hawthorn Bank in Osceola, MO?
Yes. FDIC data lists 1 Hawthorn Bank branch in Osceola as of September 5, 2026. The address and directions are under Hawthorn Bank above.
Is there a Chase in Osceola, MO?
No. FDIC data lists no Chase branch in Osceola as of September 5, 2026. The nearest is in Springfield, about 65 miles away in a straight line.
Which banks are headquartered in Osceola?
St. Clair County State Bank has its main office in Osceola, according to the FDIC.
What is the oldest bank in Osceola?
St. Clair County State Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1896.
Did any bank branches open or close in Osceola 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 Osceola?
Nearby cities with more banks include El Dorado Springs, Clinton, Warsaw. El Dorado Springs is 21 miles away with 4 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 |
| 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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