County banking markets / IL / 17163
St. ClairIllinois
FIPS 17163. 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 (728) and unconcentrated on deposits (688).
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
72 branch offices and 18 institutions in 1994; 67 and 26 in 2025. Deposits booked in the county went from $2.60B to $5.82B, 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 | Regions Bank cert 12368 | $848.3M | 14.56% | 12 | 17.91% |
| 2 | Associated Bank, National Association cert 5296 | $468.9M | 8.05% | 3 | 4.48% |
| 3 | Carrollton Bank cert 12383 | $447.5M | 7.68% | 1 | 1.49% |
| 4 | Busey Bank cert 16450 | $436.9M | 7.50% | 3 | 4.48% |
| 5 | Bank of America, National Association cert 3510 | $422.0M | 7.25% | 2 | 2.99% |
| 6 | Citizens Community Bank cert 33753 | $417.7M | 7.17% | 4 | 5.97% |
| 7 | FCB Banks cert 33005 | $367.8M | 6.31% | 4 | 5.97% |
| 8 | Bank of Belleville cert 58114 | $352.3M | 6.05% | 1 | 1.49% |
| 9 | Bank of O'Fallon cert 18171 | $319.7M | 5.49% | 2 | 2.99% |
| 10 | First National Bank of Waterloo cert 3842 | $276.6M | 4.75% | 8 | 11.94% |
| 11 | Commerce Bank cert 24998 | $246.8M | 4.24% | 2 | 2.99% |
| 12 | U.S. Bank National Association cert 6548 | $205.7M | 3.53% | 4 | 5.97% |
| 13 | First Bank cert 12229 | $189.1M | 3.25% | 3 | 4.48% |
| 14 | First FSB of Mascoutah cert 30969 | $153.2M | 2.63% | 2 | 2.99% |
| 15 | The Central Trust Bank cert 12633 | $116.4M | 2.00% | 2 | 2.99% |
| 16 | Bank of Springfield cert 19506 | $109.6M | 1.88% | 2 | 2.99% |
| 17 | PNC Bank, National Association cert 6384 | $63.6M | 1.09% | 1 | 1.49% |
| 18 | First Mid Bank & Trust, National Association cert 3705 | $63.0M | 1.08% | 1 | 1.49% |
| 19 | Heartland Bank and Trust Company cert 20369 | $61.5M | 1.06% | 1 | 1.49% |
| 20 | BMO Bank National Association cert 16571 | $57.3M | 0.98% | 1 | 1.49% |
| 21 | UMB Bank, National Association cert 8273 | $55.4M | 0.95% | 1 | 1.49% |
| 22 | Midland States Bank cert 1040 | $48.8M | 0.84% | 1 | 1.49% |
| 23 | JPMorgan Chase Bank, National Association cert 628 | $34.1M | 0.58% | 1 | 1.49% |
| 24 | Lindell Bank & Trust Company cert 1073 | $32.3M | 0.55% | 1 | 1.49% |
| 25 | The Farmers and Merchants National Bank of Nashville cert 3821 | $25.9M | 0.44% | 3 | 4.48% |
| 26 | Woodforest National Bank cert 23220 | $4.2M | 0.07% | 1 | 1.49% |
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.