County banking markets / IL / 17105
LivingstonIllinois
FIPS 17105. 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 (1,392) and moderately concentrated on deposits (2,383).
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
22 branch offices and 16 institutions in 1994; 25 and 12 in 2025. Deposits booked in the county went from $669.9M to $1.40B, 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 | Bank of Pontiac cert 16982 | $603.8M | 43.11% | 7 | 28.00% |
| 2 | State Bank of Graymont cert 10434 | $240.3M | 17.16% | 4 | 16.00% |
| 3 | First State Bank of Forrest cert 11669 | $115.1M | 8.22% | 2 | 8.00% |
| 4 | Peoples National Bank of Kewanee cert 926 | $110.8M | 7.91% | 1 | 4.00% |
| 5 | Flanagan State Bank cert 11734 | $84.0M | 6.00% | 2 | 8.00% |
| 6 | First Financial Bank, National Association cert 4382 | $80.8M | 5.77% | 2 | 8.00% |
| 7 | Vermilion Valley Bank cert 11667 | $49.8M | 3.56% | 2 | 8.00% |
| 8 | Morton Community Bank cert 18429 | $44.9M | 3.21% | 1 | 4.00% |
| 9 | Midland States Bank cert 1040 | $23.2M | 1.66% | 1 | 4.00% |
| 10 | Campus State Bank cert 10840 | $22.3M | 1.60% | 1 | 4.00% |
| 11 | Citizens Bank of Chatsworth cert 10843 | $20.9M | 1.49% | 1 | 4.00% |
| 12 | Woodforest National Bank cert 23220 | $4.6M | 0.33% | 1 | 4.00% |
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.