Christian County, Illinois, a core county of the Springfield-Jacksonville-Lincoln, IL market, holds $979M in deposits across 11 insured institutions and 18 branches. Peoples Bank & Trust is the largest deposit holder at 24.5% share. The top three banks hold 67% of deposits, which places the county in the Concentrated band. Deposits have fallen 0.4% since 2021 while the branch count fell by 10.0%. It produced $1.4B of real gross domestic product in 2024, ranking #1,066 of the 1,523 ranked counties by economic output.
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
Branches: 20 in 2021 to 18 in 2026. Institutions: 13 to 11. Top-three share: 62% to 67%.
Institutions by deposits
| Institution | Deposits | Share | 5‑yr deposits |
|---|---|---|---|
| Peoples Bank & Trust | $240M | 24.5% | -8% |
| First National Bank of Pana | $237M | 24.2% | +46% |
| First National Bank in Taylorville | $174M | 17.8% | -8% |
| Heartland Bank and Trust Company | $99M | 10.1% | +1% |
| U.S. Bank | $60M | 6.1% | -5% |
| Midland Community Bank | $57M | 5.8% | -17% |
| Regions Bank | $37M | 3.7% | +10% |
| Citizens Bank of Edinburg | $25M | 2.6% | -2% |
| The First National Bank of Assumption | $23M | 2.3% | +2% |
| First National Bank of Nokomis | $17M | 1.7% | +1% |
| The First National Bank of Raymond | $11M | 1.1% | -25% |
The 11 insured institutions with a branch presence in this county, per the FDIC Summary of Deposits, June 30, 2026. Five-year change compares the same institution’s county deposits in 2021 and 2026. 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 2021 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 Springfield-Jacksonville-Lincoln market
Christian County is one of 6 counties that make up the Springfield-Jacksonville-Lincoln, IL market, a Combined Statistical Area (ranked #148 of 293 U.S. markets by economic output). It produces 8.6% of the market’s output and holds 7.8% of its deposits.
| Measure | Christian County | Share of parent market |
|---|---|---|
| 2024 GDP | $1.4B | 8.6% |
| Deposits | $979M | 7.8% |
| Population | 33,443 | 11.0% |
View the full Springfield-Jacksonville-Lincoln market profile →
Recruiting in Christian 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 Christian County.
See how we help banks recruit commercial banking talent