County banking markets / IL / 17075
IroquoisIllinois
FIPS 17075. 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 (1,267) and unconcentrated on deposits (1,459).
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
25 branch offices and 17 institutions in 1994; 23 and 12 in 2025. Deposits booked in the county went from $487.5M to $1.11B, 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 | The First Trust and Savings Bank of Watseka, Illinois cert 10831 | $267.0M | 24.01% | 2 | 8.70% |
| 2 | Iroquois Federal Savings and Loan Association cert 29675 | $239.3M | 21.53% | 2 | 8.70% |
| 3 | Iroquois Farmers State Bank cert 11746 | $151.3M | 13.61% | 6 | 26.09% |
| 4 | Prospect Bank cert 3722 | $94.6M | 8.51% | 2 | 8.70% |
| 5 | Federated Bank cert 10464 | $84.1M | 7.56% | 3 | 13.04% |
| 6 | Frederick Community Bank, The cert 10446 | $71.8M | 6.46% | 2 | 8.70% |
| 7 | Citizens State Bank of Milford cert 931 | $49.4M | 4.44% | 1 | 4.35% |
| 8 | Buckley State Bank cert 12121 | $43.6M | 3.93% | 1 | 4.35% |
| 9 | First Trust Bank of Illinois cert 34778 | $41.2M | 3.71% | 1 | 4.35% |
| 10 | First Financial Bank cert 6600 | $28.8M | 2.59% | 1 | 4.35% |
| 11 | Milford Building and Loan Association cert 30152 | $24.7M | 2.22% | 1 | 4.35% |
| 12 | First State Bank of Forrest cert 11669 | $15.9M | 1.43% | 1 | 4.35% |
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.