Adams County, Illinois, a core county of the Quincy-Hannibal, IL-MO market, holds $2.2B in deposits across 12 insured institutions and 33 branches. First Bankers Trust Company, National Association is the largest deposit holder at 33.7% share. The top three institutions hold 67.3% of deposits, which places the county in the concentrated band. Deposits have grown 15.7% since 2020 while the branch count fell by 3. It produces $3.6B of output, ranking #714 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 36 in 2020 to 33 in 2025. Institutions: 13 to 12. Top-three share: 65.4% to 67.3%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| First Bankers Trust Company, National Association | $734M | 33.7% | +16% |
| United Community Bank | $434M | 20.0% | +19% |
| State Street Bank and Trust Company | $296M | 13.6% | +27% |
| HomeBank | $177M | 8.1% | +33% |
| Town & Country Bank Midwest | $146M | 6.7% | +9% |
| Liberty Bank | $143M | 6.6% | +65% |
| Central State Bank | $69M | 3.1% | +6% |
| Bank of Springfield | $64M | 3.0% | +57% |
| Heartland Bank and Trust Company | $51M | 2.3% | no 2020 presence |
| First Mid Bank & Trust, National Association | $43M | 2.0% | -15% |
The 10 insured institutions with a branch presence in this county, as of June 30, 2025. Five-year change compares the same institution’s county deposits in 2020 and 2025. Institutions are tracked by FDIC certificate number, and where an institution acquired another bank, the acquired bank’s prior deposits are folded into the baseline so the change reflects the combined, continuing franchise rather than reading as new. Even so, a large gain can reflect acquisition rather than competitive growth; “no 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year.
Part of the Quincy-Hannibal market
Adams County is one of 4 counties that make up the Quincy-Hannibal, IL-MO market, a Combined Statistical Area (ranked #261 of 293 U.S. markets by economic output). It produces 63.0% of the market’s output and holds 59.7% of its deposits.
| Measure | Adams County | Share of Quincy-Hannibal market |
|---|---|---|
| 2024 GDP | $3.6B | 63.0% |
| Deposits | $2.2B | 59.7% |
| Population | 64,267 | 56.8% |
View the full Quincy-Hannibal market profile →
Recruiting in Adams County
Deposits are held closely by the largest banks, which often means the bankers worth recruiting are inside a small number of institutions. Who holds the deposits, and how contested the market is, shapes both the runway for growth and the competition you would be recruiting against. We recruit commercial relationship managers, banking teams, and market leaders for banks building in markets like Adams County, on a retained basis.
Start a confidential conversation