Bureau County, Illinois, a core county of the Chicago-Naperville, IL-IN-WI market, holds $1.2B in deposits across 11 insured institutions and 18 branches. Heartland Bank and Trust Company is the largest deposit holder at 20.0% share. The top three institutions hold 49.8% of deposits, which places the county in the moderately concentrated band. Deposits have grown 11.8% since 2020 while the branch count fell by 1. It produces $1.2B of output, ranking #1,149 of the 1,523 counties within a CSA or MSA by economic output.
Deposit trend
Branches: 19 in 2020 to 18 in 2025. Institutions: 12 to 11. Top-three share: 53.8% to 49.8%.
Leading institutions by deposits
| Institution | Deposits | Share | 5‑yr |
|---|---|---|---|
| Heartland Bank and Trust Company | $240M | 20.0% | +11% |
| Central Bank Illinois | $195M | 16.2% | -1% |
| Midland States Bank | $163M | 13.6% | +1% |
| Spring Valley City Bank | $159M | 13.3% | -4% |
| State Bank of Cherry | $108M | 9.0% | +23% |
| First State Bank | $76M | 6.4% | +37% |
| Community State Bank | $76M | 6.3% | +608% |
| Peoples National Bank of Kewanee | $74M | 6.2% | +90% |
| North Central Bank | $59M | 4.9% | +39% |
| First State Bank of Van Orin | $38M | 3.2% | +6% |
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 Chicago-Naperville market
Bureau County is one of 19 counties that make up the Chicago-Naperville, IL-IN-WI market, a Combined Statistical Area (ranked #5 of 293 U.S. markets by economic output). It produces 0.2% of the market’s output and holds 0.2% of its deposits.
| Measure | Bureau County | Share of Chicago-Naperville market |
|---|---|---|
| 2024 GDP | $1.2B | 0.2% |
| Deposits | $1.2B | 0.2% |
| Population | 32,510 | 0.3% |
View the full Chicago-Naperville market profile →
Recruiting in Bureau County
Deposits are split among a moderate 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 Bureau County, on a retained basis.
Start a confidential conversation