County banking markets / IL / 17201
WinnebagoIllinois
FIPS 17201. 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 (739) and unconcentrated on deposits (1,074).
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
64 branch offices and 17 institutions in 1994; 62 and 18 in 2025. Deposits booked in the county went from $3.08B to $7.90B, 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 | UMB Bank, National Association cert 8273 | $1.70B | 21.46% | 4 | 6.45% |
| 2 | JPMorgan Chase Bank, National Association cert 628 | $941.5M | 11.92% | 4 | 6.45% |
| 3 | Midland States Bank cert 1040 | $936.2M | 11.85% | 8 | 12.90% |
| 4 | Associated Bank, National Association cert 5296 | $679.0M | 8.59% | 5 | 8.06% |
| 5 | BMO Bank National Association cert 16571 | $645.5M | 8.17% | 6 | 9.68% |
| 6 | Foresight Bank cert 5749 | $582.8M | 7.38% | 6 | 9.68% |
| 7 | St. Charles Bank & Trust Company, National Association cert 27052 | $581.8M | 7.36% | 3 | 4.84% |
| 8 | First Mid Bank & Trust, National Association cert 3705 | $405.4M | 5.13% | 4 | 6.45% |
| 9 | U.S. Bank National Association cert 6548 | $316.7M | 4.01% | 5 | 8.06% |
| 10 | PNC Bank, National Association cert 6384 | $314.5M | 3.98% | 4 | 6.45% |
| 11 | The First National Bank and Trust Company cert 5285 | $254.6M | 3.22% | 3 | 4.84% |
| 12 | Stillman BancCorp N.A. cert 9263 | $240.6M | 3.04% | 2 | 3.23% |
| 13 | Fifth Third Bank, National Association cert 6672 | $110.8M | 1.40% | 2 | 3.23% |
| 14 | Solutions Bank cert 11741 | $105.2M | 1.33% | 2 | 3.23% |
| 15 | Holcomb Bank cert 9080 | $45.0M | 0.57% | 1 | 1.61% |
| 16 | CBI Bank & Trust cert 1552 | $32.9M | 0.42% | 1 | 1.61% |
| 17 | The Harvard State Bank cert 9079 | $10.4M | 0.13% | 1 | 1.61% |
| 18 | Woodforest National Bank cert 23220 | $2.5M | 0.03% | 1 | 1.61% |
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.