County banking markets / IL / 17011
BureauIllinois
FIPS 17011. 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 (1,173) and unconcentrated on deposits (1,258).
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
26 branch offices and 14 institutions in 1994; 18 and 11 in 2025. Deposits booked in the county went from $640.3M to $1.20B, 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 | Heartland Bank and Trust Company cert 20369 | $240.4M | 20.01% | 4 | 22.22% |
| 2 | Central Bank Illinois cert 11670 | $194.9M | 16.23% | 1 | 5.56% |
| 3 | Midland States Bank cert 1040 | $163.1M | 13.58% | 1 | 5.56% |
| 4 | Spring Valley City Bank cert 12087 | $159.3M | 13.26% | 1 | 5.56% |
| 5 | State Bank of Cherry cert 11686 | $107.7M | 8.97% | 1 | 5.56% |
| 6 | First State Bank cert 15752 | $76.5M | 6.37% | 2 | 11.11% |
| 7 | Community State Bank cert 23257 | $76.1M | 6.33% | 2 | 11.11% |
| 8 | Peoples National Bank of Kewanee cert 926 | $74.0M | 6.16% | 2 | 11.11% |
| 9 | North Central Bank cert 17241 | $58.9M | 4.90% | 1 | 5.56% |
| 10 | First State Bank of Van Orin cert 10809 | $38.1M | 3.17% | 2 | 11.11% |
| 11 | First Federal Savings Bank cert 28924 | $12.2M | 1.02% | 1 | 5.56% |
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.