County banking markets / IL / 17001
AdamsIllinois
FIPS 17001. Branch offices reported to the FDIC Summary of Deposits, June 30 of each survey year, 1994–2025. One of 102 counties in Illinois’s 2025 survey.
Concentration, 1994–2025
Branch-count HHI squares each institution’s share of the county’s branch offices; deposit HHI squares its share of county deposits. The bands are the 2010 Horizontal Merger Guidelines classification, the dashed line the 1,800 level above which the Federal Reserve reviews a merger centrally. In 2025 this market is unconcentrated on branches (1,129) and moderately concentrated on deposits (1,904).
Source: FDIC Summary of Deposits | DOJ & FTC, Horizontal Merger Guidelines (2010), section 5.3 | Federal Reserve, Competitive Effects of Mergers and Acquisitions FAQs Both indices computed from the SOD branch rows for this county, June 30 of each survey year. Neither is the Fed's screen HHI: no thrift weighting, no exclusion of specialty and internet banks, no central-booking adjustment. Methodology
Branches and institutions
32 branch offices and 17 institutions in 1994; 33 and 12 in 2025. Deposits booked in the county went from $1.01B to $2.17B, nominal.
Source: FDIC Summary of Deposits FDIC Summary of Deposits, June 30 of each survey year, 1994-2025. Methodology
Who holds the deposits, 2025
Every institution with a branch in the county, ranked by deposits booked here. Both shares are shown because they are the two indices above: squaring and summing the deposit column gives the deposit HHI, the branch column the branch-count HHI.
| # | Institution | Deposits | Deposit share | Branches | Branch share |
|---|---|---|---|---|---|
| 1 | First Bankers Trust Company, National Association cert 16501 | $733.5M | 33.73% | 5 | 15.15% |
| 2 | United Community Bank cert 19459 | $434.1M | 19.96% | 6 | 18.18% |
| 3 | State Street Bank and Trust Company cert 14857 | $295.8M | 13.60% | 3 | 9.09% |
| 4 | HomeBank cert 14492 | $176.9M | 8.13% | 2 | 6.06% |
| 5 | Town & Country Bank Midwest cert 10460 | $145.5M | 6.69% | 3 | 9.09% |
| 6 | Liberty Bank cert 11719 | $142.9M | 6.57% | 5 | 15.15% |
| 7 | Central State Bank cert 8487 | $68.6M | 3.15% | 2 | 6.06% |
| 8 | Bank of Springfield cert 19506 | $64.3M | 2.96% | 2 | 6.06% |
| 9 | Heartland Bank and Trust Company cert 20369 | $50.8M | 2.33% | 1 | 3.03% |
| 10 | First Mid Bank & Trust, National Association cert 3705 | $42.6M | 1.96% | 2 | 6.06% |
| 11 | Great Rivers Bank cert 3762 | $14.8M | 0.68% | 1 | 3.03% |
| 12 | Commerce Bank cert 24998 | $4.9M | 0.22% | 1 | 3.03% |
Source: FDIC Summary of Deposits June 30, 2025. Branch rows grouped by FDIC certificate; names as reported to the survey. Deposit share is n/a where the county's total SOD deposits are zero. Methodology
Back to county banking markets, up to Illinois, or read the methodology for the two HHI constructions and what they cannot tell you.