County banking markets / IL / 17021
ChristianIllinois
FIPS 17021. 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 (1,136) and moderately concentrated on deposits (1,572).
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
19 branch offices and 14 institutions in 1994; 19 and 12 in 2025. Deposits booked in the county went from $479.4M to $952.3M, 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 | Peoples Bank & Trust cert 17320 | $216.9M | 22.77% | 4 | 21.05% |
| 2 | First National Bank of Pana cert 3720 | $213.5M | 22.42% | 3 | 15.79% |
| 3 | First National Bank in Taylorville cert 17572 | $169.6M | 17.80% | 2 | 10.53% |
| 4 | CNB Bank and Trust, N.A. cert 3775 | $104.8M | 11.01% | 1 | 5.26% |
| 5 | U.S. Bank National Association cert 6548 | $59.5M | 6.25% | 1 | 5.26% |
| 6 | Midland Community Bank cert 19796 | $57.3M | 6.02% | 2 | 10.53% |
| 7 | Regions Bank cert 12368 | $37.6M | 3.95% | 1 | 5.26% |
| 8 | Citizens Bank of Edinburg cert 20454 | $27.5M | 2.89% | 1 | 5.26% |
| 9 | The First National Bank of Assumption cert 3600 | $22.9M | 2.40% | 1 | 5.26% |
| 10 | FIRST NATIONAL BANK OF NOKOMIS cert 15763 | $18.5M | 1.94% | 1 | 5.26% |
| 11 | First Mid Bank & Trust, National Association cert 3705 | $14.2M | 1.49% | 1 | 5.26% |
| 12 | The First National Bank of Raymond cert 3830 | $10.0M | 1.05% | 1 | 5.26% |
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.