County banking markets / IL / 17183
VermilionIllinois
FIPS 17183. 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 (1,008) and moderately concentrated on deposits (1,667).
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
37 branch offices and 18 institutions in 1994; 25 and 14 in 2025. Deposits booked in the county went from $907.9M to $1.47B, 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 | Iroquois Federal Savings and Loan Association cert 29675 | $373.8M | 25.46% | 2 | 8.00% |
| 2 | Old National Bank cert 3832 | $318.6M | 21.70% | 2 | 8.00% |
| 3 | First Financial Bank, National Association cert 4382 | $269.3M | 18.34% | 5 | 20.00% |
| 4 | First Farmers Bank & Trust Co. cert 12839 | $151.3M | 10.30% | 2 | 8.00% |
| 5 | Longview Bank cert 1786 | $111.6M | 7.60% | 3 | 12.00% |
| 6 | The Fisher National Bank cert 17513 | $77.9M | 5.30% | 3 | 12.00% |
| 7 | Bank of Rantoul cert 11711 | $34.7M | 2.36% | 1 | 4.00% |
| 8 | First Financial Bank cert 6600 | $30.5M | 2.08% | 1 | 4.00% |
| 9 | Philo Exchange Bank cert 5722 | $23.4M | 1.60% | 1 | 4.00% |
| 10 | INB, National Association cert 3664 | $23.2M | 1.58% | 1 | 4.00% |
| 11 | The Hometown Savings Bank cert 17736 | $23.0M | 1.57% | 1 | 4.00% |
| 12 | Prospect Bank cert 3722 | $15.2M | 1.03% | 1 | 4.00% |
| 13 | The Gifford State Bank cert 10467 | $12.5M | 0.85% | 1 | 4.00% |
| 14 | Woodforest National Bank cert 23220 | $3.3M | 0.23% | 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.