Market Intelligence

Bond County, IL

Banking market profile · FDIC Summary of Deposits (SOD), June 30, 2025

Bond County, Illinois, a county in the St. Louis-St. Charles-Farmington, MO-IL market, holds $444M in deposits across 5 insured institutions and 7 branches. The Bradford National Bank of Greenville is the largest deposit holder at 62.1% share. The top three banks hold 88% of deposits, which places the county in the Concentrated band. Deposits have grown 21.4% since 2020 while the branch count fell by 12.5%. It produces $588M of output, ranking #1,325 of the 1,523 ranked counties by economic output.

Economic scale
2024 Real GDP
$588M
#1,325 of 1,523
Population
16,959
#1,350 of 1,523
GDP per Capita
$34,654
#1,076 of 1,523
Deposit market
Deposits (SOD, 6/30/25)
$444M
#1,244 of 1,523
Deposits per Capita
$26,195
#547 of 1,523
Deposits per Branch
$63M
#1,189 of 1,523
Competitive structure
Insured Institutions
5
#1,149 of 1,523
Branches per 100k Pop.
41.3
#201 of 1,523
Median Deposits per Institution
$35M
The median deposits booked by a single institution in the county. #1,491 of 1,523. A lower figure means institutions typically hold smaller deposit positions here; it reflects local deposit presence, not an institution’s overall size. See Community & Regional Bank Share for institution scale.
Community & Regional Bank Share
100.0%
of county deposits held by banks with $100M to $100B in assets. #18 of 1,523. A higher share points to a market where small to mid-size institutions, the kind that compete on relationships and local decision-making, hold more ground.
Top-3 Banks’ Deposit Share: Concentrated
88%
The combined deposit share of the top three banks by deposits in the county. A lower share means deposits are spread across more institutions.

Ranks show where the county stands among the 1,523 ranked counties (those within a Combined or Metropolitan Statistical Area that have a branch). They describe relative position, not a rating of market quality or suitability.

Deposit trend

County Deposits (SOD, 2020 to 2025)+21.4% over 5 years
$366M
2020
$395M
2021
$428M
2022
$431M
2023
$434M
2024
$444M
2025

Branches: 8 in 2020 to 7 in 2025. Institutions: 5 to 5. Top-three share: 84% to 88%.

Institutions by deposits

InstitutionDepositsShareBranches5‑yr
deposits
The Bradford National Bank of Greenville$276M62.1%2+32%
The FNB Community Bank$80M18.1%2+30%
The Peoples State Bank of Newton, Illinois$35M7.8%1+41%
Midland States Bank$27M6.1%1-24%
Bank of Hillsboro$26M5.9%1-23%

The 5 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, 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. “No 2020 presence” means neither the institution nor a bank it later absorbed reported deposits in this county that year. Deposit figures are nominal and are not adjusted for inflation.

Part of the St. Louis-St. Charles-Farmington market

Bond County is one of 17 counties that make up the St. Louis-St. Charles-Farmington, MO-IL market, a Combined Statistical Area (ranked #27 of 293 U.S. markets by economic output). It produces 0.3% of the market’s output and holds 0.3% of its deposits.

MeasureBond CountyShare of parent market
2024 GDP$588M0.3%
Deposits$444M0.3%
Population16,9590.6%

View the full St. Louis-St. Charles-Farmington market profile →

Recruiting in Bond 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 Bond County.

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