County banking markets / IL / 17019
ChampaignIllinois
FIPS 17019. 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 (530) and moderately concentrated on deposits (1,956).
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
59 branch offices and 22 institutions in 1994; 71 and 29 in 2025. Deposits booked in the county went from $2.03B to $6.90B, 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 | Busey Bank cert 16450 | $2.71B | 39.20% | 9 | 12.68% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $1.15B | 16.68% | 4 | 5.63% |
| 3 | PNC Bank, National Association cert 6384 | $511.9M | 7.42% | 5 | 7.04% |
| 4 | CIBM Bank cert 11729 | $291.6M | 4.23% | 2 | 2.82% |
| 5 | Longview Bank cert 1786 | $235.2M | 3.41% | 4 | 5.63% |
| 6 | The Fisher National Bank cert 17513 | $213.3M | 3.09% | 3 | 4.23% |
| 7 | First Mid Bank & Trust, National Association cert 3705 | $193.4M | 2.80% | 5 | 7.04% |
| 8 | BankChampaign, National Association cert 22434 | $182.8M | 2.65% | 2 | 2.82% |
| 9 | Bank of Rantoul cert 11711 | $168.5M | 2.44% | 1 | 1.41% |
| 10 | First Federal Savings Bank of Champaign Urbana cert 28445 | $162.2M | 2.35% | 2 | 2.82% |
| 11 | The Gifford State Bank cert 10467 | $149.8M | 2.17% | 3 | 4.23% |
| 12 | Heartland Bank and Trust Company cert 20369 | $148.3M | 2.15% | 3 | 4.23% |
| 13 | Prospect Bank cert 3722 | $120.6M | 1.75% | 2 | 2.82% |
| 14 | Philo Exchange Bank cert 5722 | $86.6M | 1.26% | 4 | 5.63% |
| 15 | First Financial Bank, National Association cert 4382 | $86.1M | 1.25% | 4 | 5.63% |
| 16 | Hickory Point Bank and Trust cert 22874 | $75.2M | 1.09% | 1 | 1.41% |
| 17 | First State Bank of Forrest cert 11669 | $65.9M | 0.95% | 1 | 1.41% |
| 18 | Midland States Bank cert 1040 | $57.3M | 0.83% | 1 | 1.41% |
| 19 | INB, National Association cert 3664 | $51.8M | 0.75% | 1 | 1.41% |
| 20 | Iroquois Federal Savings and Loan Association cert 29675 | $46.1M | 0.67% | 2 | 2.82% |
| 21 | Morton Community Bank cert 18429 | $39.3M | 0.57% | 2 | 2.82% |
| 22 | Old National Bank cert 3832 | $36.6M | 0.53% | 1 | 1.41% |
| 23 | Prairie State Bank and Trust cert 27362 | $26.7M | 0.39% | 1 | 1.41% |
| 24 | Dewey Bank cert 10803 | $26.1M | 0.38% | 1 | 1.41% |
| 25 | First State Bank and Trust cert 16332 | $24.8M | 0.36% | 1 | 1.41% |
| 26 | Bank of Springfield cert 19506 | $16.5M | 0.24% | 1 | 1.41% |
| 27 | State Bank of Bement cert 10855 | $11.0M | 0.16% | 1 | 1.41% |
| 28 | Woodforest National Bank cert 23220 | $9.8M | 0.14% | 3 | 4.23% |
| 29 | First State Bank cert 15752 | $6.9M | 0.10% | 1 | 1.41% |
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.