County banking markets / IL / 17119
MadisonIllinois
FIPS 17119. 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 (727) and unconcentrated on deposits (1,063).
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
80 branch offices and 27 institutions in 1994; 77 and 25 in 2025. Deposits booked in the county went from $2.89B to $6.52B, 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 | FCB Banks cert 33005 | $1.26B | 19.24% | 9 | 11.69% |
| 2 | Busey Bank cert 16450 | $1.12B | 17.20% | 9 | 11.69% |
| 3 | First Mid Bank & Trust, National Association cert 3705 | $691.7M | 10.60% | 6 | 7.79% |
| 4 | U.S. Bank National Association cert 6548 | $666.2M | 10.21% | 7 | 9.09% |
| 5 | Regions Bank cert 12368 | $549.0M | 8.42% | 10 | 12.99% |
| 6 | Carrollton Bank cert 12383 | $362.8M | 5.56% | 3 | 3.90% |
| 7 | United Community Bank cert 19459 | $339.3M | 5.20% | 4 | 5.19% |
| 8 | Associated Bank, National Association cert 5296 | $320.3M | 4.91% | 3 | 3.90% |
| 9 | The Bradford National Bank of Greenville cert 3799 | $146.2M | 2.24% | 2 | 2.60% |
| 10 | Bank of Hillsboro, National Association cert 16276 | $128.5M | 1.97% | 4 | 5.19% |
| 11 | Royal Banks of Missouri cert 19512 | $115.0M | 1.76% | 1 | 1.30% |
| 12 | UMB Bank, National Association cert 8273 | $103.2M | 1.58% | 1 | 1.30% |
| 13 | St. Louis Bank cert 58018 | $97.2M | 1.49% | 1 | 1.30% |
| 14 | CNB Bank and Trust, N.A. cert 3775 | $94.4M | 1.45% | 2 | 2.60% |
| 15 | Collinsville Building and Loan Association cert 28103 | $84.1M | 1.29% | 1 | 1.30% |
| 16 | State Bank of St. Jacob cert 5730 | $78.7M | 1.21% | 2 | 2.60% |
| 17 | PNC Bank, National Association cert 6384 | $71.2M | 1.09% | 2 | 2.60% |
| 18 | Dieterich Bank cert 3787 | $71.0M | 1.09% | 1 | 1.30% |
| 19 | First National Bank of Waterloo cert 3842 | $68.9M | 1.06% | 2 | 2.60% |
| 20 | Bank of Springfield cert 19506 | $54.7M | 0.84% | 1 | 1.30% |
| 21 | JPMorgan Chase Bank, National Association cert 628 | $30.2M | 0.46% | 2 | 2.60% |
| 22 | Heartland Bank and Trust Company cert 20369 | $26.1M | 0.40% | 1 | 1.30% |
| 23 | Community Partners Savings Bank cert 30819 | $23.5M | 0.36% | 1 | 1.30% |
| 24 | Bank of Belleville cert 58114 | $21.0M | 0.32% | 1 | 1.30% |
| 25 | Woodforest National Bank cert 23220 | $3.1M | 0.05% | 1 | 1.30% |
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.